Please note that this is an array formula. Within the cell in edit mode (F2)
paste this formula and press Ctrl+Shift+Enter to apply this formula. If
successful in 'Formula Bar' you can notice the curly braces at both ends like
"{=<formula>}"
This is an array formula which must be entered with CTRL+Shift+Enter and NOT
'just enter. If you do it correctly then Excel will put curly brackets around
'the formula{}. You can't type these yourself. If you Edit the ranges
'then you must re-enter as An array
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