how to deduct a % from sum

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SS

How would I change this formula so that I can deduct 5% of the calculation?
The 5% figure would be put in a seperate cell so that the % could be
altered, meaning 5% would be in say cell A2, and I might require to change
the 5% to say 7%.

The % figure relates to an inflation level to be deducted from a lump sum of
money.

=D9+D10-D11

My attempt...

=D9+D10-D11-(A2%)
 

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