"if cell contains text Insert row below" coding works the opposite

hi i am new to this forum. found some great solutions and thought of posting my specific issue. i am also very new to VBA.

i am creating a payment tracker table on excel. when a specific text is entered in either column' E, H or K like "Doc. Incomplete" i want to automatically insert a row below.

Ex: Row 7 has multiple conditional formatting and formulas. if users enters Doc. "Incomplete" in E7 a new row (8) to be inserted copying all of Row 7's formatting and formula

in another thread i found a coding and modified it as follows

Private Sub Worksheet_Change(ByVal Target As Range)
With Target
If .Column = 5 Or 8 And .Text = "Doc. Incomplete" Then
ActiveCell.EntireRow.Insert Shift:=-x1Down
End If
End With
End Sub


This coding somehow inserts a row above the row instead of below. it does not copy the formula either.