On Nov 22, 6:37 am, Micky G wrote:
I don't know what the commas are indicating to do with the variables.

Consider this example from the Help page:

=PMT(A2/12, A3, A4)

The commas simply separate the list of arguments, much like commas
separate the following list of languages: English, French, German,
Italian. The commas serve no other purpose. They "do" nothing to the
arguments.

That should be "obvious". So I suspect I am not understanding your
question. If I failed to answer your question, please provide a
specific example.