If you close the 4126.xls workbook you will get the full equation

Here is an example

=INDIRECT("'C:\Documents and Settings\My Documents\xl\["&D8&"]2003 Refinance'!g46")

where in cell D8 I place the name of the file (4126 in your case)

to link to cell g46 on the worksheet 2003 Refinance

Note the double quote after the (, after the [, before the ], and before the )
with a single quote before the C: and before the !

You do get a #REF if the source workbook is not open (at least in the version of excel I have

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not a professional, just trying to assist.....