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The new row is blank and the values and formulas in the existing row are pushed down by one. So if you had a formula in row 10 and inserted a new row to replace row 10, row 11 would now contain what was in row 10.

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11y ago
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10y ago

That is correct. What I do when I don't want that to happen is I insert a line below a line that matches the format I want then cut and paste the entire line to where I want it.

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Q: When you insert a row what new row automatically inherits the format?
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