In a cell at the bottom of a column I need to list students names from
column A who's scores in another column are greater or less than a target
score, located in a seperate cell.

A B C D
1 Stu. math read spell
2 Ed 77 82 71
3 Goe 33 45 87
4 Ty 88 80 72
5 Al 70 55 89
6
7 Target 70 65 75
8 Goe Goe, Ed,
9 Al Ty

In this sample in row 8 I need a list of students whos score was less than
the target for that subject, but I don't know what formula to use. I would
like to use 1 cell for each column using word wrap. I can do the
conditional formatting to show in the sheet who fits this criteria, but the
spreadsheets that I'm using are for an entire grade level with over 300
students, so a list would be easier. Thanks for any help.