Right now I have an excel spreadsheet. In Cells A1 and down I have cities listed. In Cells B1 and down I have some generic information with the word CITY in it. What I want to know if there is a formula to replace the word CITY that is in the contents of Cell B1 with the contents in Cell A1. For instance... Cell A1 has "Daytona Beach, FL" Cell B1 has "Compare mortgage & refinance rates from different mortgage lenders and brokers in CITY. Find the home refinance rate you were looking for in CITY." I need a formula that replaces "CITY" in B1 with "Dayton Beach, FL" in A1. Is this possible? Thank you for your help!