Excel Tips

//Lpad 0, total length 9. 

=REPLACE(A1,1,LEN(A1),REPT("0",9-LEN(A1))&A1)

// Normal distribution and inverse functions

NORMSDIST - from Z value (# of stdev) to cumulative prob.

NORMSINV - from cumulative prob. to Z value. 

NORMDIST - from point value, mean, stddev to curmulative prob.

NORMINV - from cumulative prob, mean, stddev to point value.