Using Worksheet_Change To Copy Formulas Into An Inserted Row

I've a spreadsheet with each row representing a record of some equipment installation escept for Row #1, which contains the column headers. For each record, Columns A through G contain the installation information,Columns H onwards are for monthly billing purposes(March 07, April 07, etc.). Each cell in Column H onwards contains a complicated formula for billing. Under the row that represents the last installation, there is a Totals Row. Since we are adding installations very frequently at the moment, my goal is to: Using a Worksheet_Change Event,

When a row is inserted into the worksheet, the code tests for

1) If the event is an "Insertion"-if not, Exit the code.
2) If the Target is a row- if not, Exit the code.
3) The row number-if row #2, copy the formulas from the row below.
If the row # is less than 2, Exit the code.
4) If the Target Range's row number is > 2, copy the formulas from row above.
5) If the Target Range's row number is => than that of the "Totals", Exit the code.

I've got 2,3 and 4-

How can I test for #1, and for #5, every time a row is inserted, the row # increases. How can I code #5?