I'm not sure if I understand your question correctly but I'm making the
assumption that the $10,000 is the variable, and is what you want to
insert into the sentence from a cell value somewhere else.

If you have your "not to exceed" amount in cell A1.

Enter this formula:
="This quote is based on an total lump sum estimate not to exceed
"&dollar(A1,0)

This will give you a sentance that always reads the same except for the
"not to exceed" dollar amount which will change as you calculate it
differently for each individual.

Hope that helps.


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qwopzxnm
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