If you are willing to place your totals at the top of the table then it simplifies things greatly and avoids the unnecessary use of VBA code.
You only need to drag the cells down as far as needed to copy formulas and formats when new rows are required.
Optionally, format as many rows as you think you may ever need and let the table expand/contract based on the input cell. With the totals at the top of the table you don't need to scroll or accomodate any row insertions/deletions.
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