You're welcome.

To understand formulas like this, look up a few things in Excel help:

1. Enter "cell references" in the answer wizard and then click on "The
difference between abslute and relative cell references" on the right
hand side.

2. Do the same for "column function" and read about that.

3. Then read about "index function".

4. Finally, read about "concatenate" (the & joins strings together -
that's called "concatenating".