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Hmmm.... something is getting lost in translation here. You say you want to calculate a growth rate, so I assume you have a value you want to find has increased by a given amount or the percentage of an increase. Of course if you want to calculate changes in rates of growth and how they affect a final outcome you are in the realm of calculus and numerical analysis and I can't help you there.
I'm still unclear what the DEALER_COST / RETAIL_COST gets you, except a value that would normally be less than zero... You say your ACROSS is a time dimension but I don't see one anywhere. Maybe you could try and restate your problem in words, rather than code and someone could help you out.