I need to insert rows in a wat that the inserted row carries the format and
formulae of the row immediately above. The key part of the formating above is
2 cells merged into one [because of stff elsewhere in the worksheet] and the
formulae above. This is a form to be used by others and I am inserting into a
protected sheet with the insert rows box in Protection checked.

This sort of thinh used to work in Supercalc [remember that one] but
apparently not in Excel

Thanks