turns out all code called in AfterInsert, not BeforeInsert, so I did not need to avoid using formula fields.  restored code to original mostly.
turns out all code called in AfterInsert, not BeforeInsert, so I did not need to avoid using formula fields.  restored code to original mostly.

jlantz/Cumulus,Zosoled/Cumulus,SalesforceFoundation/Cumulus,cdcarter/Cumulus,abeyer/Cumulus,cdcarter/Cumulus,jlantz/Cumulus,SalesforceFoundation/Cumulus,Zosoled/Cumulus,Zosoled/Cumulus,SalesforceFoundation/Cumulus,cdcarter/Cumulus,abeyer/Cumulus,BillFlorioSFDC/Cumulus,cyberjus/Cumulus,SalesforceFoundation/Cumulus,abeyer/Cumulus,cdcarter/Cumulus,InspectorSpacetime/Cumulus,cyberjus/Cumulus,InspectorSpacetime/Cumulus,BillFlorioSFDC/Cumulus,cyberjus/Cumulus,jlantz/Cumulus,InspectorSpacetime/Cumulus,cyberjus/Cumulus,InspectorSpacetime/Cumulus,jlantz/Cumulus,BillFlorioSFDC/Cumulus,Zosoled/Cumulus,BillFlorioSFDC/Cumulus,abeyer/Cumulus