Thank you,
  I am a bit confused. Your example shows “trf to chking”. I did not find that 
in the spreadsheet you sent me. However, I did a little testing. I did some 
testing anyway, and some curious things happened. Sometimes when I changes 
things, the value was not recalculated. However, when I copied pasted the BAL 
formula from the line above it, things were quickly fixed. I am sorry that this 
is just a workaround for your problem, but we will look deeper into it later.

Howard

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