A system, method, and computer usable medium having computer readable code embodied therein for causing a computer to create, store, and retrieve a main document with a formula that determines a reference to an insert document for inclusion in the main document. The system includes a data storage mechanism for storing the main document with a reference to an insert document and a shared resource database for storing one or more insert documents that may be referenced within a main document. A document destination module enables a user to create and store a main document with the formula or reference. That module also enables a user to open the main document and, upon opening the main document, extracts the formula and resolves the reference to the insert document. A document retrieval module then uses the reference to retrieve the insert document and a document insertion module then inserts the insert document into the main document.