MS Excel
How do you insert a row?

Select the row heading where you want to insert the new row and click the Insert Row button on the standard toolbar
Select the row heading where you want to insert the new row and select Edit >Row from the menu
All of the listed here
Right-click the row heading where you want to insert the new row and select Insert from the shortcut menu

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MS Excel
To create a formula, you can use:

Values but not cell references
Values or cell references although not both at the same time
Cell references but not values
Value and cell references

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