Insert Row Formula Strangeness

I hope someone can help explain why this is happening and a way to resolve it.

I am building an HTML file, using C#, representing budget data from a SQL database. The C# app calls a program called CZ Excel Converter, which uses Excel, to convert it to an XLS file. I have Excel 2003 installed. I have attached samples of both formats as well.

There are two budget formats produced depending on user settings. In both of the example the # symbol represents the current row number.

Format #1 (Annual) has a column (D) that contains the following formula, =SUM(E#:P#). Columns E-P are the cells where the user enters the monthly budget amounts and the sum column (D) is updated.

Format #2 (Monthly) has a column (D) that the user enters the yearly budget and monthly columns (E-O) that have the following formula, =ROUND(D#/12,2), and the December column (P) has the following formula, =ROUND(D#-SUM(E#:O#).

For both formats, each column has a SUM formula as the last row to total each month.

Both of these formats work as intended, until I insert a new row and the formulas don't work as expected.

When inserting a new row for the annual format by right clicking on any row between 7-13 and then entering in a value into any of the monthly columns (E-P) then only the total row for that column gets updated, not yearly budget cell (D) for the row.

When inserting a new row for the monthly format by right clicking on any row between 7-10 and then entering in a value into the yearly budget cell (D) for the row, then only the total cell for that column gets updated, but none of the monthly columns are. However, if you do the same thing on rows 11-13, then everything works as intended.

Another strange thing, and this may happen to just me, is that if I insert a new row by right clicking on row 13 and then enter in the yearly budget, then the montly column amounts are populated correctly as are the monthly total cells, but the formula seem to run slower and I can actually see each monthly cell highlight instead of it happening instantly if I did the same thing on row 12.

On a side note, if I try to reproduce the budget spreadsheet manually, then none of the inserted row formulas work for either format.

I know this is a lot to take in and all this may be caused by the CZ Excel Converter program, but if anyone can help I would appreciate it.

Thanks,
CT