## Explanation

The key to understanding this formula is to realize that the INDEX function can be used to return a reference to entire rows and entire columns.

To generate a reference to the "last n columns" in a table, we build a reference in two parts, joined by the range operator. To get a reference to the left column, we use:

```
INDEX(data,0,COLUMNS(data)-(K4-1))
```

Since data contains 6 columns, and K4 contains 3, this simplifies to:

```
INDEX(data,0,4) // all of column 4
```

To get a reference to the right column in the range, we use:

```
INDEX(data,0,COLUMNS(data))
```

Which returns a reference to column 6 of the named range "data", since the COLUMN function returns 6:

```
INDEX(data,0,6) // all of column 6
```

Together, the two INDEX functions return a reference to columns 4 through 6 in the data (i.e. F5:H8), which resolve to an array of values inside the SUM function:

```
SUM({15,14,10;9,12,12;7,9,9;12,13,13})
```

The SUM function then calculates and returns the sum, 135.