At least with XL2002, if you insert a row with Insert | Rows, XL copies
the formatting from the previous row.

You will be surprised at how much is natively possible with XL; and,
when one must use code, at how powerful the XL object model is.

--
Regards,

Tushar Mehta, MS MVP -- Excel
www.tushar-mehta.com
Excel, PowerPoint, and VBA add-ins, tutorials
Custom MS Office productivity solutions

In article , scarleton-
says...
On Wed, 29 Oct 2003 at 12:14 GMT, Mike Macgowan wrote:
You might try using the built in Autosubtotals in Excel. It keys off of a
change in the description. Sure beats having to write code.

I agree, using a function is always prefered over writing code.

Another part of my goal is to have a spread sheet that my wife
can simply enter the number and not have to worry about formating
each cell, nor copying down the formula's from the row above.
How would I go about doing that? The basic idea is that there
will be data i rows 3 through 23, my wife will enter a new row in
24, then click on one button to update the monthly totals and to
do the formating and calculations of the new row. I do not want
her to have to havve anything selecting of cells, or anything.

Now what about this part? How do I copy the formating and the
formula's down one level each time?

Sam