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 ;