Is there any chance that you could explain in this in something approaching
laymans english (i.e. that I might understand).

"Harlan Grove" wrote:

"Dana DeLouis" wrote...
....
=MMULT(Horizontal, Vertical)
....

Note that the result is a degenerate 0-D array, so can in obscure
situations cause problems when used as a term in longer formulas
unless coerced to a true scalar via SUM(MMULT(h,v)).