Private Sub Worksheet_Change(ByVal Target As Range)
If Target.Address = "$F$5" Then
ActiveSheet.Protect DrawingObjects:=True, Contents:=True, Scenarios:=True, _
AllowInsertingRows:=True, userinterfaceonly:=True
Rows(Target.Row).Insert
ActiveSheet.Range("B5").Value = "--"
Range("E5").FormulaLocal = "=C5*D5"
Range("H5").FormulaLocal = "=SI(E5< 20;20;E5)"
Range("I5").FormulaLocal = "=E5*10%"
Range("$a$5").Select
End If
End Sub