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How Would You Reference the Column Named Credits in a Formula

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How would you reference the column named credits in a formula function?

Distinguish between direct and indirect expenses and their impact on departmental performance.
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Definitions:

Law Of Effect

A principle in psychology stating that behaviors followed by positive outcomes tend to be repeated, while those followed by negative outcomes are less likely to be repeated.

Reward

A benefit or recognition given for performing a particular action or behavior.

Response

A reaction or action taken by an organism or system as a result of a specific stimulus.

Negative Reinforcer

A stimulus whose removal or avoidance following a behavior increases the frequency of that behavior in the future.

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