I want to use the formula below to calculate the NPV of a future stream of
payments based on the start date entered by the user in another cell on
another tab of the worksheet. I can't seem to get the # portions of the
formula below replaced with a function combination that does not result in a
text string with quotations embedded which then results in an error in the
NPV formula. Suggestions?

=XNPV(N3,Q#:Q190,N#:N190)