Going round in circles here.... can anyone help please?

I need a macro to do this:

Search down column B for some specific text and then insert a new row
immediately above the found cell. The new row must copy the formulas and
formatting (but not the values) of the row above the found cell.

So, find text "last risk above" in column B - let's say this is cell B40.
Macro then copies the formatting and formulas of B39 to a new row between
B39 and B40.

Thanks in advance,

Nick