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are all of the values of the 3 columns in the same row?
No. The beginning balance is on the top row. But I just checked back to the worksheet I used last year and realized that I didn't need to make the beginning balance a constant since the previous row will always be the current balance! Don't know when I didn't catch that earlier -- guess I was just too tired. Thanks for listening! My current problem is solved.
let me know if you need anything else