Right on Chris! Man this is great stuff!

"Chris Rogers" wrote:

you may want to name your cells. you could name the one row as Amount
and name the cell that has the 11% sur-charge as Tax
(Insert/Name/Define). That way the reference won't change when you
copy it, and if you look at the formula it will make some sense instead
of f3*$A$1, you would see Amount * Tax