ZF:=(C-REF(C,1))/REF(C,1)*100; XG1:=REF(ZF,1)<-4 AND ZF>4; TJ1:=REF(ZF,1)+REF(ZF,2); XG2:=TJ1<-4.9 AND ZF>4; XG: XG1 OR XG2 ;
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