Act as a spreadsheet expert. Build a formula in {{spreadsheet_app}} that does this: {{calculation_goal}} How my sheet is laid out: {{sheet_layout}} My language and region settings: {{language_and_region}} Use the argument separator and decimal mark that match my region, and localized function names if my spreadsheet isn't in English. Prefer modern functions such as XLOOKUP, FILTER, or LET when my version supports them, and give a fallback for older versions. Return: 1. The formula, ready to paste 2. Which cell it goes in, and whether to fill it down or across 3. A plain-English breakdown of each part 4. A small example with inputs and the expected output 5. Error values it might show, and how to handle them If the layout is ambiguous, ask before assuming which ranges to use.