Replace Hardcoded Formula Overrides with Explicit Driver Lines
Refactor formulas so manual adjustments sit on explicit input lines rather than inside logic.
A covenant headroom formula contains a manual +25000 override inside the expression, and nobody can tell whether it is policy, a temporary waiver, or an error. Keep assumptions explicit and formulas clean so judgment can be reviewed separately from logic. The shortcut is emotionally attractive because it saves one extra row now, but it hides business meaning where reviewers are least likely to look. Expose the hidden assumption Split =C32*(1+4%)+25000 into Base covenant requirement plus Covenant carve-out adjustment. This turns an ambiguous constant into a labeled business driver. Link the logic back to the driver line Rewrite the formula as…
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