Steve wrote:
Why would the cell reference change during my
test and not after applying all my references?


Because you had both A and B open during your test.
The formulas in B cannot know that you have inserted rows in A while B
is closed.

I suggest you name the ranges of cells in A and reference the named
ranges in B. When you insert rows within the named ranges in A the
definition of the name changes appropriately and the formulas in B will
use the new range when you next open B.

Bill Manville
MVP - Microsoft Excel, Oxford, England
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