Hi,
Jumping in...
Could one of you plesae tell me why we need the <INDIRECT(A1&":"&B1) part
of the formula, and why we can't just use <(A1:B1).
Also, when I highlight <INDIRECT(A1&":"&B1 ) in the formula bar and press
F9, I get an error message which says "Formula is too long. Formulas may not
exceed 8192 characters."
Also, could you please explain what the ROW function is doing?

Regards - Dave.