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Default &TEXT formula

I have and & TEXT formula that makes a statement like:

Month: 5.1 Chg YTD -2.5

In the &TEXT formula, how do I format the numbers so that all negative
value's will show in red. Below is my formula:
=B5&TEXT(" ",0)&TEXT(C5,"0.0")&TEXT(" ",0)&E5&TEXT("
",0)&TEXT(F5,"0.0%")
 
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