With Cells(Rows.Count,"T").End(xlUp).Offset(1).EntireRow
    .Cells(20).FormulaR1C1 = "=SUM(R1C:R[-1]C)"
    .Cells(5).FormulaR1C1 = "=SpellCurr(RC20,""Dollar"",""S"",""Cent"",""S"")"
    .Font.Bold = True
    .Interior.ColorIndex = 15
End With
revise colour index per preference