golf handicap resolution
 

I have a formula which looks at the figures in the next 20 cells in a row, selects the lowest 10 of those numbers, averages them & multiplys that result by 0.96.
as follows

=AVERAGE(SMALL(INDIRECT("F8:Y8"),{1,2,3,4,5,6,7,8, 9,10}))*0.96

I need it to always be the next 20 even when new cells are inserted and to ignore empty cells or zeros.

Can someone help please ?

I am not good with formula so be kind.