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=LET (Spend,SUMIF (T_Budget [Category],E2,T_Budget [Cost]),IFS (Spend>F2,"Over budget",Spend=F2,"Budget hit",Spend> (F2*0.9), ...
If I asked you which Excel tab you use most, there's a good chance the View tab wouldn't even cross your mind. The Insert, Formulas, and Data tabs usually get all the attention, and for good reason.