That worked great!
one little problem it runs into is:
when the cursor is not at the "Insert Row" radio button, it inserts rows, but copies the formula from above rather than filling down:

i.e. =sum(a3+1), then next cell should read =sum(a4+1) but it copies the same =sum(a3+1).

Any way to fix? how about to add 5 new rows rather than just one?

Thanks again!!