Same result.

Your new formula still changes when cells are inserted (with shift cells
down)

Ok, then, Excel is holding the ref in the shift! Try it by doing the insert in
row 6 and copy the row 5 values down, then insert new values in row 5.

Alternatively, used sheet-level defined names for refs and see what happens.
Make the defined names column-absolute/row-relative as in my initial reply. Now
when you insert at row5 the formula in R5 will return 0!

--
Garry

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