A complex metallographic structured cold rolled steel sheet comprising: (a) a composition consisting of the following elements by weight: in a range from 0.02% to 0.2% C; in a range from 0.2% to 3.5% Mn; less than or equal to 0.1% P; less than or equal to 0.03% S; less than or equal to 1.2% Si; in a range from 0.01% to 0.10% Al; less than or equal to 0.02% N; less than or equal to 0.8% Cu; less than or equal to 0.12% V; one or two or three of the group of Mo, Cr, Ni, wherein the sum of elements chosen is in a range between 0.05% and 3.5%; and Ti and Nb, wherein the sum of elements chosen is in a range between 0.005% and 0.8%, Ti is present together with N and S, and the following relationship is satisfied: Ti* is greater than or equal to 0.01% and less than or equal to 0.6%, where Ti* is defined by the following formula (Ti - (24/7)N - (3/2)S); less than or equal to 0.02% purposively added Ca, and no added B; wherein the balance of the composition is Fe and incidental ingredients; (b) a multi-phase micro structure comprising: ferrite; martensite; bainite; retained austenite, wherein the martensite phase of the microstructure comprises between 10% and 35% by volume of the microstructure, the bainite phase of the microstructure comprises between 2% and 20% by volume of the microstructure, the retained austenite phase of the microstructure comprises between 1% and 12% by volume of the microstructure, wherein the ferrite in the microstructure comprises between 20% and 85% by volume of the microstructure; and fine complex precipitates selected from the group of TiC, TiN, (Ti·Nb)C, (Ti·Nb)N and (Ti·Nb)(C·N) particles wherein at least 50% are smaller than 20 nm in size; and (c) physical properties comprising tensile strength greater than 780 megapascals and at least one of the following properties of elongation greater than 10%, yield ratio greater than 70%, and hole expansion ratio greater than 50%. (a) a composition consisting of the following elements by weight: in a range from 0.02% to 0.2% C; in a range from 0.2% to 3.5% Mn; less than or equal to 0.1% P; less than or equal to 0.03% S; less than or equal to 1.2% Si; in a range from 0.01% to 0.10% Al; less than or equal to 0.02% N; less than or equal to 0.8% Cu; less than or equal to 0.12% V; one or two or three of the group of Mo, Cr, Ni, wherein the sum of elements chosen is in a range between 0.05% and 3.5%; and Ti and Nb, wherein the sum of elements chosen is in a range between 0.005% and 0.8%, Ti is present together with N and S, and the following relationship is satisfied: Ti* is greater than or equal to 0.01% and less than or equal to 0.6%, where Ti* is defined by the following formula (Ti - (24/7)N - (3/2)S); less than or equal to 0.02% purposively added Ca, and no added B; wherein the balance of the composition is Fe and incidental ingredients; in a range from 0.02% to 0.2% C; in a range from 0.2% to 3.5% Mn; less than or equal to 0.1% P; less than or equal to 0.03% S; less than or equal to 1.2% Si; in a range from 0.01% to 0.10% Al; less than or equal to 0.02% N; less than or equal to 0.8% Cu; less than or equal to 0.12% V; one or two or three of the group of Mo, Cr, Ni, wherein the sum of elements chosen is in a range between 0.05% and 3.5%; and Ti and Nb, wherein the sum of elements chosen is in a range between 0.005% and 0.8%, Ti is present together with N and S, and the following relationship is satisfied: Ti* is greater than or equal to 0.01% and less than or equal to 0.6%, where Ti* is defined by the following formula (Ti - (24/7)N - (3/2)S); less than or equal to 0.02% purposively added Ca, and no added B; wherein the balance of the composition is Fe and incidental ingredients; Ti* is greater than or equal to 0.01% and less than or equal to 0.6%, where Ti* is defined by the following formula (Ti - (24/7)N - (3/2)S); less than or equal to 0.02% purposively added Ca, and no added B; wherein the balance of the composition is Fe and incidental ingredients; (b) a multi-phase micro structure comprising: ferrite; martensite; bainite; retained austenite, wherein the martensite phase of the microstructure comprises between 10% and 35% by volume of the microstructure, the bainite phase of the microstructure comprises between 2% and 20% by volume of the microstructure, the retained austenite phase of the microstructure comprises between 1% and 12% by volume of the microstructure, wherein the ferrite in the microstructure comprises between 20% and 85% by volume of the microstructure; and fine complex precipitates selected from the group of TiC, TiN, (Ti·Nb)C, (Ti·Nb)N and (Ti·Nb)(C·N) particles wherein at least 50% are smaller than 20 nm in size; and ferrite; martensite; bainite; retained austenite, wherein the ferrite in the microstructure comprises between 20% and 85% by volume of the microstructure; and fine complex precipitates selected from the group of TiC, TiN, (Ti·Nb)C, (Ti·Nb)N and (Ti·Nb)(C·N) particles wherein at least 50% are smaller than 20 nm in size; and (c) physical properties comprising tensile strength greater than 780 megapascals and at least one of the following properties of elongation greater than 10%, yield ratio greater than 70%, and hole expansion ratio greater than 50%.