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Default Formula

March 26, 2006 (H3)
The dots I put to keep the numbers in place.
.........................Jan Feb Mar Apr May June Jul Aug Sept Oct Nov Dec
(D8:O8)
begining bal(B9)...3(This is 3 carried from the previous year December)
Earned
(B10)........0.....0....1....0.....0.....0....1... .0......0......0....1....0
(D10:O10}
Used(B11)............1.....0....0 (I stopped here, but it continued to Dec.
(D11:O11)
Balance(B12)........2.....2....3 (I calculate D9+D10-D11, each balance
carried over to the next month)
I need a formula that would calculate every year at the end of March If the
balance is over 1 as it is now it should automatically calculate as 1 (using
the date in H3 as reference) 1 and negative numbers are good.