I've seen answers to similar problems, but nothing as complex as this:

I have the following set-up (simplified)
Type City Store
actual Portland TB
bid Portland TB
actual Memphis AU
bid Memphis AU
bid Memphis AU

I need to format in VBA (since this is over 3000 rows deep), in the
following manner:

Insert a row in between a change in the cities column. Then surround the
grouping by city with a bold outline. Color the row with the bid gray and
color the rows in between the cities blue.
The sheet has 10 columns of data to be surrounded by the bold outline.

Essentially it will group the data into boxes with the bid and actual in the
boxes, and the bid rows colored gray with blue rows separating the boxes.

Thanks for the help.