I agree that in the majority of applications there is no real perceivable
difference but in "heavy duty" applications every bit of efficiency helps
no matter where you find it.

I guess my short-sightedness stems from my Excel background... approximately
15-year break from Excel and, back when I did work with it, my applications
were all Engineering ones, so I doubt any of them rose anywhere near the
level you are suggesting with the words "heavy duty". I guess if you have a
few thousand or so of those SUMPRODUCTs strewn about your application, the
few thousandths of a second mount up. I hate you, you know... because of
you, I am going to have to switch from the multiplication syntax (which I
really, really like better) to the comma version... I hate you.<vbg

Rick