I keep running into situations where functions demand vector input and I
end up handling them in a clumsy manner where it seems a more elegant
one must exist.

For example the function [ ]=XIRR(Yvector,Xvector,Guess). In the
situation where I have multiple columns of X,Y data I keep manually
combining them into a single column for the convenience of the XIRR
function. Is there some notation where I can indicate multiple columns
of X,Y data to the XIRR function directly? Without copying masses of
data around and refomatting things?

Thanks...

Bill