EXPERT IN EXCEL FORMULAS, SPREADSHEETS, MACRO, VBA CODE ETC. INDEX AND MATCH, VLOOKUP, XLOOKUP SMALL LARGE ARRAYS IF CONDITIONS COUNTIF AND SUMIF CONCATENATE MERGE SUBSTITUE TRIM FUNCTION PMT EDATE CONDITIONAL FORMATTING SUMPRODUCT IS BLANK IS NUMBER AGGREGATE. HOW TO USE FORMULAS TO OPTIMIZE THINGS ROWS AND COLUMNS LOCKING OF ROW AND COLUMN.