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welcome to XL metric number 569 hey if you want to download this workbook and follow along click on my youtube channel then click on my color chips that link and you can download the workbook xln to trick 568 2 569 Ill fix that file name hey in this video here we have a data set the due date name for a loan details then whether its paid or not and there could be other details here and we gotta have we want to put a function that will always give us todays date and then we want to extract the loans that are past due and we do this with the formula because we want it to be dynamic automatic which means were going to have to do a big gnarly array formula now the first thing is we want to do a formula for do or todays date this would be today and thats just equals today argument lets function in just every every day you open this it will show us todays date now heres the due date right so alone that is for 10 is not past due yet so we need to count the number of loans but however