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In this tutorial, Bree Clark explains how to insert a row in Excel and have the formulas fill in automatically. She begins with a spreadsheet displaying data and sums in rows. Upon inserting an additional row, she notes that the formula does not copy down automatically. She demonstrates the simplest method: selecting the desired cell, holding the Control key, and pressing D, which fills the formula from the cell above. This action updates the formula to reflect the newly inserted row's range. Bree emphasizes this technique as a convenient way to ensure formulas are automatically adjusted when adding new rows in Excel.