{"text_format":"1","workbook":"xlsx","n_sheets":7,"sheets":["Pivot Chart and Table","Data Source","Recording and running Macro","User Defined Function","Pivot Chart example","Example of Count If","Vlookup example"],"not_rendered":{"charts":1,"images":0,"macros":1,"external_links":0,"defined_names":3,"comments":0,"pivot_tables":2},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Pivot Chart and Table","index":0,"n_rows":44,"n_cols":4,"rows_kept":44,"cut":false,"hidden":false,"merged":[]}
["Row Labels","Max of Interest Rates","Average of Interest Rates","Min of Interest Rates"]
["1971",21,8.8919999999999995,7.31]
["1972",7.44,7.3841666666666654,7.29]
["1973",8.82,8.0433333333333312,7.44]
["1974",9.98,9.1891666666666669,8.41]
["1975",9.43,9.0408333333333335,8.82]
["1976",9.02,8.8650000000000002,8.73]
["1977",8.9600000000000009,8.8408333333333342,8.67]
["1978",10.35,9.6366666666666667,9.02]
["1979",12.9,11.192500000000001,10.39]
["1980",16.329999999999998,13.770000000000001,12.19]
["1981",18.45,16.632499999999997,14.9]
["1982",17.600000000000001,16.084166666666668,13.62]
["1983",13.81,13.227499999999999,12.63]
["1984",14.67,13.87,13.18]
["1985",13.2,12.424166666666665,11.26]
["1986",10.88,10.1775,9.31]
["1987",11.26,10.195833333333335,9.0399999999999991]
["1988",10.61,10.338333333333333,9.89]
["1989",11.05,10.324166666666665,9.74]
["1990",10.48,10.130000000000001,9.67]
["1991",9.64,9.2491666666666674,8.5]
["1992",8.94,8.4008333333333329,7.92]
["1993",8.02,7.3299999999999992,6.83]
["1994",9.1999999999999993,8.3558333333333348,7.06]
["1995",9.15,7.955000000000001,7.2]
["1996",8.32,7.8058333333333332,7.03]
["1997",8.14,7.5958333333333341,7.1]
["1998",7.14,6.9441666666666668,6.71]
["1999",7.94,7.4291666666666663,6.79]
["2000",8.52,8.0633333333333326,7.38]
["2001",7.16,6.972500000000001,6.62]
["2002",7.01,6.5375000000000005,6.05]
["2003",6.26,5.8191666666666668,5.23]
["2004",6.29,5.8416666666666659,5.45]
["2005",6.33,5.8658333333333337,5.58]
["2006",6.76,6.4108333333333327,6.14]
["2007",6.7,6.3425000000000002,6.1]
["2008",6.48,6.041666666666667,5.33]
["2009",5.42,5.0425000000000004,4.8099999999999996]
["2010",5.0999999999999996,4.6916666666666673,4.2300000000000004]
["2011",4.95,4.4575000000000005,3.96]
["2012",3.95,3.9175000000000004,3.89]
["Grand Total",21,8.7749392712550645,3.89]

{"sheet":"Data Source","index":1,"n_rows":497,"n_cols":6,"rows_kept":497,"cut":false,"hidden":false,"merged":[]}
["Series Description","CONTRACT RATE ON 30-YEAR, FIXED-RATE CONVENTIONAL HOME MORTGAGE COMMITMENTS"]
[null,null,null,null,null,"Nested function Example (nesting one function into another function)"]
["Month","Interest Rates","Year","Conditional if statement 4%","Condition if greater than 8%","Nested if statement"]
["1971-04",21,{"$f":"(LEFT(A4,4))","v":"1971"},{"$f":"IF(B4<4,\"refinance\",\"\")","v":""},{"$f":"IF(B4>8,\"high interest rate\",\"\")","v":"high interest rate"},{"$f":"IF(B4<4,\"refinance\",IF(B4>8,\"high interest rate\",\"\"))","v":"high interest rate"}]
["1971-04",7.31,{"$f":"(LEFT(A5,4))","v":"1971"},{"$f":"IF(B5<4,\"refinance\",\"\")","v":""},{"$f":"IF(B5>8,\"high interest rate\",\"\")","v":""},{"$f":"IF(B5<4,\"refinance\",IF(B5>8,\"high interest rate\",\"\"))","v":""}]
["1971-05",7.43,"1971","","",""]
["1971-06",7.53,"1971","","",""]
["1971-07",7.6,"1971","","",""]
["1971-08",7.7,"1971","","",""]
["1971-09",7.69,"1971","","",""]
["1971-10",7.63,"1971","","",""]
["1971-11",7.55,"1971","","",""]
["1971-12",7.48,"1971","","",""]
["1972-01",7.44,"1972","","",""]
["1972-02",7.33,"1972","","",""]
["1972-03",7.3,"1972","","",""]
["1972-04",7.29,"1972","","",""]
["1972-05",7.37,"1972","","",""]
["1972-06",7.37,"1972","","",""]
["1972-07",7.4,"1972","","",""]
["1972-08",7.4,"1972","","",""]
["1972-09",7.42,"1972","","",""]
["1972-10",7.42,"1972","","",""]
["1972-11",7.43,"1972","","",""]
["1972-12",7.44,"1972","","",""]
["1973-01",7.44,"1973","","",""]
["1973-02",7.44,"1973","","",""]
["1973-03",7.46,"1973","","",""]
["1973-04",7.54,"1973","","",""]
["1973-05",7.65,"1973","","",""]
["1973-06",7.73,"1973","","",""]
["1973-07",8.0500000000000007,"1973","","high interest rate","high interest rate"]
["1973-08",8.5,"1973","","high interest rate","high interest rate"]
["1973-09",8.82,"1973","","high interest rate","high interest rate"]
["1973-10",8.77,"1973","","high interest rate","high interest rate"]
["1973-11",8.58,"1973","","high interest rate","high interest rate"]
["1973-12",8.5399999999999991,"1973","","high interest rate","high interest rate"]
["1974-01",8.5399999999999991,"1974","","high interest rate","high interest rate"]
["1974-02",8.4600000000000009,"1974","","high interest rate","high interest rate"]
["1974-03",8.41,"1974","","high interest rate","high interest rate"]
["1974-04",8.58,"1974","","high interest rate","high interest rate"]
["1974-05",8.9700000000000006,"1974","","high interest rate","high interest rate"]
["1974-06",9.09,"1974","","high interest rate","high interest rate"]
["1974-07",9.2799999999999994,"1974","","high interest rate","high interest rate"]
["1974-08",9.59,"1974","","high interest rate","high interest rate"]
["1974-09",9.9600000000000009,"1974","","high interest rate","high interest rate"]
["1974-10",9.98,"1974","","high interest rate","high interest rate"]
["1974-11",9.7899999999999991,"1974","","high interest rate","high interest rate"]
["1974-12",9.6199999999999992,"1974","","high interest rate","high interest rate"]
["1975-01",9.43,"1975","","high interest rate","high interest rate"]
["1975-02",9.11,"1975","","high interest rate","high interest rate"]
["1975-03",8.9,"1975","","high interest rate","high interest rate"]
["1975-04",8.82,"1975","","high interest rate","high interest rate"]
["1975-05",8.91,"1975","","high interest rate","high interest rate"]
["1975-06",8.89,"1975","","high interest rate","high interest rate"]
["1975-07",8.89,"1975","","high interest rate","high interest rate"]
["1975-08",8.94,"1975","","high interest rate","high interest rate"]
["1975-09",9.1300000000000008,"1975","","high interest rate","high interest rate"]
["1975-10",9.2200000000000006,"1975","","high interest rate","high interest rate"]
["1975-11",9.15,"1975","","high interest rate","high interest rate"]
["1975-12",9.1,"1975","","high interest rate","high interest rate"]
["1976-01",9.02,"1976","","high interest rate","high interest rate"]
["1976-02",8.81,"1976","","high interest rate","high interest rate"]
["1976-03",8.76,"1976","","high interest rate","high interest rate"]
["1976-04",8.73,"1976","","high interest rate","high interest rate"]
["1976-05",8.77,"1976","","high interest rate","high interest rate"]
["1976-06",8.85,"1976","","high interest rate","high interest rate"]
["1976-07",8.93,"1976","","high interest rate","high interest rate"]
["1976-08",9,{"$f":"(LEFT(A69,4))","v":"1976"},{"$f":"IF(B69<4,\"refinance\",\"\")","v":""},{"$f":"IF(B69>8,\"high interest rate\",\"\")","v":"high interest rate"},{"$f":"IF(B69<4,\"refinance\",IF(B69>8,\"high interest rate\",\"\"))","v":"high interest rate"}]
["1976-09",8.98,"1976","","high interest rate","high interest rate"]
["1976-10",8.93,"1976","","high interest rate","high interest rate"]
["1976-11",8.81,"1976","","high interest rate","high interest rate"]
["1976-12",8.7899999999999991,"1976","","high interest rate","high interest rate"]
["1977-01",8.7200000000000006,"1977","","high interest rate","high interest rate"]
["1977-02",8.67,"1977","","high interest rate","high interest rate"]
["1977-03",8.69,"1977","","high interest rate","high interest rate"]
["1977-04",8.75,"1977","","high interest rate","high interest rate"]
["1977-05",8.82,"1977","","high interest rate","high interest rate"]
["1977-06",8.86,"1977","","high interest rate","high interest rate"]
["1977-07",8.94,"1977","","high interest rate","high interest rate"]
["1977-08",8.94,"1977","","high interest rate","high interest rate"]
["1977-09",8.9,"1977","","high interest rate","high interest rate"]
["1977-10",8.92,"1977","","high interest rate","high interest rate"]
["1977-11",8.92,"1977","","high interest rate","high interest rate"]
["1977-12",8.9600000000000009,"1977","","high interest rate","high interest rate"]
["1978-01",9.02,"1978","","high interest rate","high interest rate"]
["1978-02",9.16,"1978","","high interest rate","high interest rate"]
["1978-03",9.1999999999999993,"1978","","high interest rate","high interest rate"]
["1978-04",9.36,"1978","","high interest rate","high interest rate"]
["1978-05",9.58,"1978","","high interest rate","high interest rate"]
["1978-06",9.7100000000000009,"1978","","high interest rate","high interest rate"]
["1978-07",9.74,"1978","","high interest rate","high interest rate"]
["1978-08",9.7899999999999991,"1978","","high interest rate","high interest rate"]
["1978-09",9.76,"1978","","high interest rate","high interest rate"]
["1978-10",9.86,"1978","","high interest rate","high interest rate"]
["1978-11",10.11,"1978","","high interest rate","high interest rate"]
["1978-12",10.35,"1978","","high interest rate","high interest rate"]
["1979-01",10.39,"1979","","high interest rate","high interest rate"]
["1979-02",10.41,"1979","","high interest rate","high interest rate"]
["1979-03",10.43,"1979","","high interest rate","high interest rate"]
["1979-04",10.5,"1979","","high interest rate","high interest rate"]
["1979-05",10.69,"1979","","high interest rate","high interest rate"]
["1979-06",11.04,"1979","","high interest rate","high interest rate"]
["1979-07",11.09,"1979","","high interest rate","high interest rate"]
["1979-08",11.09,"1979","","high interest rate","high interest rate"]
["1979-09",11.3,"1979","","high interest rate","high interest rate"]
["1979-10",11.64,"1979","","high interest rate","high interest rate"]
["1979-11",12.83,"1979","","high interest rate","high interest rate"]
["1979-12",12.9,"1979","","high interest rate","high interest rate"]
["1980-01",12.88,"1980","","high interest rate","high interest rate"]
["1980-02",13.04,"1980","","high interest rate","high interest rate"]
["1980-03",15.28,"1980","","high interest rate","high interest rate"]
["1980-04",16.329999999999998,"1980","","high interest rate","high interest rate"]
["1980-05",14.26,"1980","","high interest rate","high interest rate"]
["1980-06",12.71,"1980","","high interest rate","high interest rate"]
["1980-07",12.19,"1980","","high interest rate","high interest rate"]
["1980-08",12.56,"1980","","high interest rate","high interest rate"]
["1980-09",13.2,"1980","","high interest rate","high interest rate"]
["1980-10",13.79,"1980","","high interest rate","high interest rate"]
["1980-11",14.21,"1980","","high interest rate","high interest rate"]
["1980-12",14.79,"1980","","high interest rate","high interest rate"]
["1981-01",14.9,"1981","","high interest rate","high interest rate"]
["1981-02",15.13,"1981","","high interest rate","high interest rate"]
["1981-03",15.4,"1981","","high interest rate","high interest rate"]
["1981-04",15.58,"1981","","high interest rate","high interest rate"]
["1981-05",16.399999999999999,"1981","","high interest rate","high interest rate"]
["1981-06",16.7,"1981","","high interest rate","high interest rate"]
["1981-07",16.829999999999998,"1981","","high interest rate","high interest rate"]
["1981-08",17.29,"1981","","high interest rate","high interest rate"]
["1981-09",18.16,"1981","","high interest rate","high interest rate"]
["1981-10",18.45,"1981","","high interest rate","high interest rate"]
["1981-11",17.829999999999998,"1981","","high interest rate","high interest rate"]
["1981-12",16.920000000000002,{"$f":"(LEFT(A133,4))","v":"1981"},{"$f":"IF(B133<4,\"refinance\",\"\")","v":""},{"$f":"IF(B133>8,\"high interest rate\",\"\")","v":"high interest rate"},{"$f":"IF(B133<4,\"refinance\",IF(B133>8,\"high interest rate\",\"\"))","v":"high interest rate"}]
["1982-01",17.399999999999999,"1982","","high interest rate","high interest rate"]
["1982-02",17.600000000000001,"1982","","high interest rate","high interest rate"]
["1982-03",17.16,"1982","","high interest rate","high interest rate"]
["1982-04",16.89,"1982","","high interest rate","high interest rate"]
["1982-05",16.68,"1982","","high interest rate","high interest rate"]
["1982-06",16.7,"1982","","high interest rate","high interest rate"]
["1982-07",16.82,"1982","","high interest rate","high interest rate"]
["1982-08",16.27,"1982","","high interest rate","high interest rate"]
["1982-09",15.43,"1982","","high interest rate","high interest rate"]
["1982-10",14.61,"1982","","high interest rate","high interest rate"]
["1982-11",13.83,"1982","","high interest rate","high interest rate"]
["1982-12",13.62,"1982","","high interest rate","high interest rate"]
["1983-01",13.25,"1983","","high interest rate","high interest rate"]
["1983-02",13.04,"1983","","high interest rate","high interest rate"]
["1983-03",12.8,"1983","","high interest rate","high interest rate"]
["1983-04",12.78,"1983","","high interest rate","high interest rate"]
["1983-05",12.63,"1983","","high interest rate","high interest rate"]
["1983-06",12.87,"1983","","high interest rate","high interest rate"]
["1983-07",13.42,"1983","","high interest rate","high interest rate"]
["1983-08",13.81,"1983","","high interest rate","high interest rate"]
["1983-09",13.73,"1983","","high interest rate","high interest rate"]
["1983-10",13.54,"1983","","high interest rate","high interest rate"]
["1983-11",13.44,"1983","","high interest rate","high interest rate"]
["1983-12",13.42,"1983","","high interest rate","high interest rate"]
["1984-01",13.37,"1984","","high interest rate","high interest rate"]
["1984-02",13.23,"1984","","high interest rate","high interest rate"]
["1984-03",13.39,"1984","","high interest rate","high interest rate"]
["1984-04",13.65,"1984","","high interest rate","high interest rate"]
["1984-05",13.94,"1984","","high interest rate","high interest rate"]
["1984-06",14.42,"1984","","high interest rate","high interest rate"]
["1984-07",14.67,"1984","","high interest rate","high interest rate"]
["1984-08",14.47,"1984","","high interest rate","high interest rate"]
["1984-09",14.35,"1984","","high interest rate","high interest rate"]
["1984-10",14.13,"1984","","high interest rate","high interest rate"]
["1984-11",13.64,"1984","","high interest rate","high interest rate"]
["1984-12",13.18,"1984","","high interest rate","high interest rate"]
["1985-01",13.08,"1985","","high interest rate","high interest rate"]
["1985-02",12.92,"1985","","high interest rate","high interest rate"]
["1985-03",13.17,"1985","","high interest rate","high interest rate"]
["1985-04",13.2,"1985","","high interest rate","high interest rate"]
["1985-05",12.91,"1985","","high interest rate","high interest rate"]
["1985-06",12.22,"1985","","high interest rate","high interest rate"]
["1985-07",12.03,"1985","","high interest rate","high interest rate"]
["1985-08",12.19,"1985","","high interest rate","high interest rate"]
["1985-09",12.19,"1985","","high interest rate","high interest rate"]
["1985-10",12.14,"1985","","high interest rate","high interest rate"]
["1985-11",11.78,"1985","","high interest rate","high interest rate"]
["1985-12",11.26,"1985","","high interest rate","high interest rate"]
["1986-01",10.88,"1986","","high interest rate","high interest rate"]
["1986-02",10.71,"1986","","high interest rate","high interest rate"]
["1986-03",10.08,"1986","","high interest rate","high interest rate"]
["1986-04",9.94,"1986","","high interest rate","high interest rate"]
["1986-05",10.14,"1986","","high interest rate","high interest rate"]
["1986-06",10.68,"1986","","high interest rate","high interest rate"]
["1986-07",10.51,"1986","","high interest rate","high interest rate"]
["1986-08",10.199999999999999,"1986","","high interest rate","high interest rate"]
["1986-09",10.01,"1986","","high interest rate","high interest rate"]
["1986-10",9.9700000000000006,"1986","","high interest rate","high interest rate"]
["1986-11",9.6999999999999993,"1986","","high interest rate","high interest rate"]
["1986-12",9.31,"1986","","high interest rate","high interest rate"]
["1987-01",9.1999999999999993,"1987","","high interest rate","high interest rate"]
["1987-02",9.08,"1987","","high interest rate","high interest rate"]
["1987-03",9.0399999999999991,"1987","","high interest rate","high interest rate"]
["1987-04",9.83,{"$f":"(LEFT(A197,4))","v":"1987"},{"$f":"IF(B197<4,\"refinance\",\"\")","v":""},{"$f":"IF(B197>8,\"high interest rate\",\"\")","v":"high interest rate"},{"$f":"IF(B197<4,\"refinance\",IF(B197>8,\"high interest rate\",\"\"))","v":"high interest rate"}]
["1987-05",10.6,"1987","","high interest rate","high interest rate"]
["1987-06",10.54,"1987","","high interest rate","high interest rate"]
["1987-07",10.28,"1987","","high interest rate","high interest rate"]
["1987-08",10.33,"1987","","high interest rate","high interest rate"]
["1987-09",10.89,"1987","","high interest rate","high interest rate"]
["1987-10",11.26,"1987","","high interest rate","high interest rate"]
["1987-11",10.65,"1987","","high interest rate","high interest rate"]
["1987-12",10.65,"1987","","high interest rate","high interest rate"]
["1988-01",10.43,"1988","","high interest rate","high interest rate"]
["1988-02",9.89,"1988","","high interest rate","high interest rate"]
["1988-03",9.93,"1988","","high interest rate","high interest rate"]
["1988-04",10.199999999999999,"1988","","high interest rate","high interest rate"]
["1988-05",10.46,"1988","","high interest rate","high interest rate"]
["1988-06",10.46,"1988","","high interest rate","high interest rate"]
["1988-07",10.43,"1988","","high interest rate","high interest rate"]
["1988-08",10.6,"1988","","high interest rate","high interest rate"]
["1988-09",10.48,"1988","","high interest rate","high interest rate"]
["1988-10",10.3,"1988","","high interest rate","high interest rate"]
["1988-11",10.27,"1988","","high interest rate","high interest rate"]
["1988-12",10.61,"1988","","high interest rate","high interest rate"]
["1989-01",10.73,"1989","","high interest rate","high interest rate"]
["1989-02",10.65,"1989","","high interest rate","high interest rate"]
["1989-03",11.03,"1989","","high interest rate","high interest rate"]
["1989-04",11.05,"1989","","high interest rate","high interest rate"]
["1989-05",10.77,"1989","","high interest rate","high interest rate"]
["1989-06",10.199999999999999,"1989","","high interest rate","high interest rate"]
["1989-07",9.8800000000000008,"1989","","high interest rate","high interest rate"]
["1989-08",9.99,"1989","","high interest rate","high interest rate"]
["1989-09",10.130000000000001,"1989","","high interest rate","high interest rate"]
["1989-10",9.9499999999999993,"1989","","high interest rate","high interest rate"]
["1989-11",9.77,"1989","","high interest rate","high interest rate"]
["1989-12",9.74,"1989","","high interest rate","high interest rate"]
["1990-01",9.9,"1990","","high interest rate","high interest rate"]
["1990-02",10.199999999999999,"1990","","high interest rate","high interest rate"]
["1990-03",10.27,"1990","","high interest rate","high interest rate"]
["1990-04",10.37,"1990","","high interest rate","high interest rate"]
["1990-05",10.48,"1990","","high interest rate","high interest rate"]
["1990-06",10.16,"1990","","high interest rate","high interest rate"]
["1990-07",10.039999999999999,"1990","","high interest rate","high interest rate"]
["1990-08",10.1,"1990","","high interest rate","high interest rate"]
["1990-09",10.18,"1990","","high interest rate","high interest rate"]
["1990-10",10.18,"1990","","high interest rate","high interest rate"]
["1990-11",10.01,"1990","","high interest rate","high interest rate"]
["1990-12",9.67,"1990","","high interest rate","high interest rate"]
["1991-01",9.64,"1991","","high interest rate","high interest rate"]
["1991-02",9.3699999999999992,"1991","","high interest rate","high interest rate"]
["1991-03",9.5,"1991","","high interest rate","high interest rate"]
["1991-04",9.49,"1991","","high interest rate","high interest rate"]
["1991-05",9.4700000000000006,"1991","","high interest rate","high interest rate"]
["1991-06",9.6199999999999992,"1991","","high interest rate","high interest rate"]
["1991-07",9.58,"1991","","high interest rate","high interest rate"]
["1991-08",9.24,"1991","","high interest rate","high interest rate"]
["1991-09",9.01,"1991","","high interest rate","high interest rate"]
["1991-10",8.86,"1991","","high interest rate","high interest rate"]
["1991-11",8.7100000000000009,"1991","","high interest rate","high interest rate"]
["1991-12",8.5,"1991","","high interest rate","high interest rate"]
["1992-01",8.43,"1992","","high interest rate","high interest rate"]
["1992-02",8.76,"1992","","high interest rate","high interest rate"]
["1992-03",8.94,"1992","","high interest rate","high interest rate"]
["1992-04",8.85,"1992","","high interest rate","high interest rate"]
["1992-05",8.67,"1992","","high interest rate","high interest rate"]
["1992-06",8.51,"1992","","high interest rate","high interest rate"]
["1992-07",8.1300000000000008,"1992","","high interest rate","high interest rate"]
["1992-08",7.98,{"$f":"(LEFT(A261,4))","v":"1992"},{"$f":"IF(B261<4,\"refinance\",\"\")","v":""},{"$f":"IF(B261>8,\"high interest rate\",\"\")","v":""},{"$f":"IF(B261<4,\"refinance\",IF(B261>8,\"high interest rate\",\"\"))","v":""}]
["1992-09",7.92,"1992","","",""]
["1992-10",8.09,"1992","","high interest rate","high interest rate"]
["1992-11",8.31,"1992","","high interest rate","high interest rate"]
["1992-12",8.2200000000000006,"1992","","high interest rate","high interest rate"]
["1993-01",8.02,"1993","","high interest rate","high interest rate"]
["1993-02",7.68,"1993","","",""]
["1993-03",7.5,"1993","","",""]
["1993-04",7.47,"1993","","",""]
["1993-05",7.47,"1993","","",""]
["1993-06",7.42,"1993","","",""]
["1993-07",7.21,"1993","","",""]
["1993-08",7.11,"1993","","",""]
["1993-09",6.92,"1993","","",""]
["1993-10",6.83,"1993","","",""]
["1993-11",7.16,"1993","","",""]
["1993-12",7.17,"1993","","",""]
["1994-01",7.06,"1994","","",""]
["1994-02",7.15,"1994","","",""]
["1994-03",7.68,"1994","","",""]
["1994-04",8.32,"1994","","high interest rate","high interest rate"]
["1994-05",8.6,"1994","","high interest rate","high interest rate"]
["1994-06",8.4,"1994","","high interest rate","high interest rate"]
["1994-07",8.61,"1994","","high interest rate","high interest rate"]
["1994-08",8.51,"1994","","high interest rate","high interest rate"]
["1994-09",8.64,"1994","","high interest rate","high interest rate"]
["1994-10",8.93,"1994","","high interest rate","high interest rate"]
["1994-11",9.17,"1994","","high interest rate","high interest rate"]
["1994-12",9.1999999999999993,"1994","","high interest rate","high interest rate"]
["1995-01",9.15,"1995","","high interest rate","high interest rate"]
["1995-02",8.83,"1995","","high interest rate","high interest rate"]
["1995-03",8.4600000000000009,"1995","","high interest rate","high interest rate"]
["1995-04",8.32,"1995","","high interest rate","high interest rate"]
["1995-05",7.96,"1995","","",""]
["1995-06",7.57,"1995","","",""]
["1995-07",7.61,"1995","","",""]
["1995-08",7.86,"1995","","",""]
["1995-09",7.64,"1995","","",""]
["1995-10",7.48,"1995","","",""]
["1995-11",7.38,"1995","","",""]
["1995-12",7.2,"1995","","",""]
["1996-01",7.03,"1996","","",""]
["1996-02",7.08,"1996","","",""]
["1996-03",7.62,"1996","","",""]
["1996-04",7.93,"1996","","",""]
["1996-05",8.07,"1996","","high interest rate","high interest rate"]
["1996-06",8.32,"1996","","high interest rate","high interest rate"]
["1996-07",8.25,"1996","","high interest rate","high interest rate"]
["1996-08",8,"1996","","",""]
["1996-09",8.23,"1996","","high interest rate","high interest rate"]
["1996-10",7.92,"1996","","",""]
["1996-11",7.62,"1996","","",""]
["1996-12",7.6,"1996","","",""]
["1997-01",7.82,"1997","","",""]
["1997-02",7.65,"1997","","",""]
["1997-03",7.9,"1997","","",""]
["1997-04",8.14,"1997","","high interest rate","high interest rate"]
["1997-05",7.94,"1997","","",""]
["1997-06",7.69,"1997","","",""]
["1997-07",7.5,"1997","","",""]
["1997-08",7.48,"1997","","",""]
["1997-09",7.43,"1997","","",""]
["1997-10",7.29,"1997","","",""]
["1997-11",7.21,"1997","","",""]
["1997-12",7.1,{"$f":"(LEFT(A325,4))","v":"1997"},{"$f":"IF(B325<4,\"refinance\",\"\")","v":""},{"$f":"IF(B325>8,\"high interest rate\",\"\")","v":""},{"$f":"IF(B325<4,\"refinance\",IF(B325>8,\"high interest rate\",\"\"))","v":""}]
["1998-01",6.99,"1998","","",""]
["1998-02",7.04,"1998","","",""]
["1998-03",7.13,"1998","","",""]
["1998-04",7.14,"1998","","",""]
["1998-05",7.14,"1998","","",""]
["1998-06",7,"1998","","",""]
["1998-07",6.95,"1998","","",""]
["1998-08",6.92,"1998","","",""]
["1998-09",6.72,"1998","","",""]
["1998-10",6.71,"1998","","",""]
["1998-11",6.87,"1998","","",""]
["1998-12",6.72,"1998","","",""]
["1999-01",6.79,"1999","","",""]
["1999-02",6.81,"1999","","",""]
["1999-03",7.04,"1999","","",""]
["1999-04",6.92,"1999","","",""]
["1999-05",7.15,"1999","","",""]
["1999-06",7.55,"1999","","",""]
["1999-07",7.63,"1999","","",""]
["1999-08",7.94,"1999","","",""]
["1999-09",7.82,"1999","","",""]
["1999-10",7.85,"1999","","",""]
["1999-11",7.74,"1999","","",""]
["1999-12",7.91,"1999","","",""]
["2000-01",8.2100000000000009,"2000","","high interest rate","high interest rate"]
["2000-02",8.33,"2000","","high interest rate","high interest rate"]
["2000-03",8.24,"2000","","high interest rate","high interest rate"]
["2000-04",8.15,"2000","","high interest rate","high interest rate"]
["2000-05",8.52,"2000","","high interest rate","high interest rate"]
["2000-06",8.2899999999999991,"2000","","high interest rate","high interest rate"]
["2000-07",8.15,"2000","","high interest rate","high interest rate"]
["2000-08",8.0299999999999994,"2000","","high interest rate",{"$f":"IF(B357<4,\"refinance\",IF(B357>8,\"high interest rate\",\"\"))","v":"high interest rate"}]
["2000-09",7.91,"2000","","",""]
["2000-10",7.8,"2000","","",""]
["2000-11",7.75,"2000","","",""]
["2000-12",7.38,"2000","","",""]
["2001-01",7.03,"2001","","",""]
["2001-02",7.05,"2001","","",""]
["2001-03",6.95,"2001","","",""]
["2001-04",7.08,"2001","","",""]
["2001-05",7.15,"2001","","",""]
["2001-06",7.16,"2001","","",""]
["2001-07",7.13,"2001","","",""]
["2001-08",6.95,"2001","","",""]
["2001-09",6.82,"2001","","",""]
["2001-10",6.62,"2001","","",""]
["2001-11",6.66,"2001","","",""]
["2001-12",7.07,"2001","","",""]
["2002-01",7,"2002","","",""]
["2002-02",6.89,"2002","","",""]
["2002-03",7.01,"2002","","",""]
["2002-04",6.99,"2002","","",""]
["2002-05",6.81,"2002","","",""]
["2002-06",6.65,"2002","","",""]
["2002-07",6.49,"2002","","",""]
["2002-08",6.29,"2002","","",""]
["2002-09",6.09,"2002","","",""]
["2002-10",6.11,"2002","","",""]
["2002-11",6.07,"2002","","",""]
["2002-12",6.05,"2002","","",""]
["2003-01",5.92,"2003","","",""]
["2003-02",5.84,"2003","","",""]
["2003-03",5.75,"2003","","",""]
["2003-04",5.81,{"$f":"(LEFT(A389,4))","v":"2003"},{"$f":"IF(B389<4,\"refinance\",\"\")","v":""},{"$f":"IF(B389>8,\"high interest rate\",\"\")","v":""},{"$f":"IF(B389<4,\"refinance\",IF(B389>8,\"high interest rate\",\"\"))","v":""}]
["2003-05",5.48,"2003","","",""]
["2003-06",5.23,"2003","","",""]
["2003-07",5.63,"2003","","",""]
["2003-08",6.26,"2003","","",""]
["2003-09",6.15,"2003","","",""]
["2003-10",5.95,"2003","","",""]
["2003-11",5.93,"2003","","",""]
["2003-12",5.88,"2003","","",""]
["2004-01",5.74,"2004","","",""]
["2004-02",5.64,"2004","","",""]
["2004-03",5.45,"2004","","",""]
["2004-04",5.83,"2004","","",""]
["2004-05",6.27,"2004","","",""]
["2004-06",6.29,"2004","","",""]
["2004-07",6.06,"2004","","",""]
["2004-08",5.87,"2004","","",""]
["2004-09",5.75,"2004","","",""]
["2004-10",5.72,"2004","","",""]
["2004-11",5.73,"2004","","",""]
["2004-12",5.75,"2004","","",""]
["2005-01",5.71,"2005","","",""]
["2005-02",5.63,"2005","","",""]
["2005-03",5.93,"2005","","",""]
["2005-04",5.86,"2005","","",""]
["2005-05",5.72,"2005","","",""]
["2005-06",5.58,"2005","","",""]
["2005-07",5.7,"2005","","",""]
["2005-08",5.82,"2005","","",""]
["2005-09",5.77,"2005","","",""]
["2005-10",6.07,"2005","","",""]
["2005-11",6.33,"2005","","",""]
["2005-12",6.27,"2005","","",""]
["2006-01",6.15,"2006","","",""]
["2006-02",6.25,"2006","","",""]
["2006-03",6.32,"2006","","",""]
["2006-04",6.51,"2006","","",""]
["2006-05",6.6,"2006","","",""]
["2006-06",6.68,"2006","","",""]
["2006-07",6.76,"2006","","",""]
["2006-08",6.52,"2006","","",""]
["2006-09",6.4,"2006","","",""]
["2006-10",6.36,"2006","","",""]
["2006-11",6.24,"2006","","",""]
["2006-12",6.14,"2006","","",""]
["2007-01",6.22,"2007","","",""]
["2007-02",6.29,"2007","","",""]
["2007-03",6.16,"2007","","",""]
["2007-04",6.18,"2007","","",""]
["2007-05",6.26,"2007","","",""]
["2007-06",6.66,"2007","","",""]
["2007-07",6.7,"2007","","",""]
["2007-08",6.57,"2007","","",""]
["2007-09",6.38,"2007","","",""]
["2007-10",6.38,"2007","","",""]
["2007-11",6.21,"2007","","",""]
["2007-12",6.1,"2007","","",""]
["2008-01",5.76,"2008","","",""]
["2008-02",5.92,"2008","","",""]
["2008-03",5.97,"2008","","",""]
["2008-04",5.92,"2008","","",""]
["2008-05",6.04,"2008","","",""]
["2008-06",6.32,"2008","","",""]
["2008-07",6.43,"2008","","",""]
["2008-08",6.48,{"$f":"(LEFT(A453,4))","v":"2008"},{"$f":"IF(B453<4,\"refinance\",\"\")","v":""},{"$f":"IF(B453>8,\"high interest rate\",\"\")","v":""},{"$f":"IF(B453<4,\"refinance\",IF(B453>8,\"high interest rate\",\"\"))","v":""}]
["2008-09",6.04,"2008","","",""]
["2008-10",6.2,"2008","","",""]
["2008-11",6.09,"2008","","",""]
["2008-12",5.33,"2008","","",""]
["2009-01",5.0599999999999996,"2009","","",""]
["2009-02",5.13,"2009","","",""]
["2009-03",5,"2009","","",""]
["2009-04",4.8099999999999996,"2009","","",""]
["2009-05",4.8600000000000003,"2009","","",""]
["2009-06",5.42,"2009","","",""]
["2009-07",5.22,"2009","","",""]
["2009-08",5.19,"2009","","",""]
["2009-09",5.0599999999999996,"2009","","",""]
["2009-10",4.95,"2009","","",""]
["2009-11",4.88,"2009","","",""]
["2009-12",4.93,"2009","","",""]
["2010-01",5.03,"2010","","",""]
["2010-02",4.99,"2010","","",""]
["2010-03",4.97,"2010","","",""]
["2010-04",5.0999999999999996,"2010","","",""]
["2010-05",4.8899999999999997,"2010","","",""]
["2010-06",4.74,"2010","","",""]
["2010-07",4.5599999999999996,"2010","","",""]
["2010-08",4.43,"2010","","",""]
["2010-09",4.3499999999999996,"2010","","",""]
["2010-10",4.2300000000000004,"2010","","",""]
["2010-11",4.3,"2010","","",""]
["2010-12",4.71,"2010","","",""]
["2011-01",4.76,"2011","","",""]
["2011-02",4.95,"2011","","",""]
["2011-03",4.84,"2011","","",""]
["2011-04",4.84,"2011","","",""]
["2011-05",4.6399999999999997,"2011","","",""]
["2011-06",4.51,"2011","","",""]
["2011-07",4.55,"2011","","",""]
["2011-08",4.2699999999999996,"2011","","",""]
["2011-09",4.1100000000000003,"2011","","",""]
["2011-10",4.07,"2011","","",""]
["2011-11",3.99,"2011","refinance","","refinance"]
["2011-12",3.96,"2011","refinance","","refinance"]
["2012-01",3.92,"2012","refinance","","refinance"]
["2012-02",3.89,"2012","refinance","","refinance"]
["2012-03",3.95,"2012","refinance","","refinance"]
["2012-04",3.91,"2012","refinance","","refinance"]

{"sheet":"Recording and running Macro","index":2,"n_rows":18,"n_cols":7,"rows_kept":18,"cut":false,"hidden":false,"merged":[]}
["Recording Macros and using shortcuts to run the macro"]
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[null,null,null,null,"2012-05-20"]
[null,null,null,null,"13:16:00"]
[null,null,null,null,null,"Advanced Excel"]
[null,null,null,null,null,"2012-05-20"]
[null,null,null,null,null,"13:16:00"]
[null,null,null,null,null,null,"Advanced Excel"]
[null,null,null,null,null,null,"2012-05-20"]
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{"sheet":"User Defined Function","index":3,"n_rows":209,"n_cols":2,"rows_kept":209,"cut":false,"hidden":false,"merged":[]}
[null,"=SumofSquares(A3,100)"]
["X","sum of squares"]
[0,{"$f":"SumofSquares(A3,100)","v":180}]
[1,{"$f":"SumofSquares(A4,100)","v":181}]
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[3,194]
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[5,235]
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[7,320]
[8,384]
[9,465]
[10,565]
[11,686]
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["Pivot Chart example to \"Count\" duplicates:"]
[]
["Row Labels","Count of Name"]
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["b",4]
["c",2]
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["x",2]
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{"sheet":"Example of Count If","index":5,"n_rows":28,"n_cols":2,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
["Name","Countif"]
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["x",2]
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["a",6]
["a",6]
["a",6]
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["b",4]
["b",4]
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["c",2]
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["d",13]
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["d",13]
["d",13]
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["d",13]
["d",13]
["d",13]
["d",13]
["d",13]
["d",13]
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{"sheet":"Vlookup example","index":6,"n_rows":8,"n_cols":9,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
["experience","tip"]
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[null,null,null,null,"not happy",0.05,80,{"$f":"G6*F6","v":4},{"$f":"G6+H6","v":84}]
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