yogi_Create A Sum Formula That Includes All Cells Above Until A Cell With Text is Reached

Yogi Anand, D.Eng, P.E.                                         Google Spreadsheet                            www.energyefficientbuild.com
user Archist said:
How would I create a sum formula that always includes all cells above until a cell with text is reached.
I am working with a lengthy cost estiamte spreadsheet.  The sheet is frequently has rown inserted copied and pasted.  In the past this has caused problems for cells with a SUM function.

One solution I can think of would be to create a formula where one cell is the sum of all cells above, until a cell with text is reached. This will need to be repeated about a hundred times in 5 columns.
I know this is written incorrectly but something to the effect of:  =SUM(Offset1,0:(IF(ISTEXT))

Or I am open to any other sugections that will always give give a sum between the heading and total. 

update:

user provided reference to the following Excel spreadsheet

https://docs.google.com/open?id=0BwUJ-MCI_yklYmFlZDVmNjUtZmViMC00OTViLTkzMWItNzkxNjk0ZWMxYjhl

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following is a solution to the problem