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the industry headers are in cells D 9 :I 9 . The months are in cells C 1 0 :C 1 2 9 . the

the industry headers are in cells D

9

9 .

The months are in cells C

10

129 .

the monthly returns for the industries are in cells D

10

129 .

count the number of industries with a negative return for the month listed in cell B

4 . (

Excel formula required for answer

) .

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