Thanks guys - its been a great help.
My findings from your suggestions a


=SUM(INDIRECT("r3c3:r[-1]c",FALSE)) works


=SUM(INDIRECT("C3:C"&CELL("Row")-1)) works but if you insert a row the
value changes -
how do you make it automatically
recalc the sum?


=SUM(C3:OFFSET(C11,-1,0)) works but not if need to update C3 if insert a
row above R3 or delete row 3


=sum(c3:indirect("c:"&row()-1)) does not work


Changed =SUM(C3:INDIRECT(ADDRESS(ROW(),3) ) ) =

=SUM(D4:INDIRECT(ADDRESS(ROW()-1,COLUMN(),4))) which works

Thanks Again
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