Some help please
when I try to run the following code I am getting "Loop without Do"

Dim cell As Range, odate As Date, ndate As Date
Set cell = ActiveWorkbook.Worksheets("Working Sample (3)").Cells(3, 2)

Do Until IsEmpty(cell.Value)

Do While cell = cell.Offset(-1, 0)
odate = cell.Offset(-1, 11).Value
ndate = cell.Offset(0, 11).Value
ndate = odate
If cell.Offset(0, 9) = "Y" Then
ndate = DateAdd("y", 1, odate)
If cell.Offset(0, 9) = "Q" Then
ndate = DateAdd("m", 3, odate)
End If
Set cell = cell.Offset(1, 0)
Loop
Set cell = cell.Offset(1, 0)
Loop
I am attempting to schedul payments based on frequency, Y = Annually and Q =
quarterly. Using the first payment date for a name in column 2, I am
attempting to schedule payment dates by frequency

col 2 col 11 col 13
1 $120.00 Y 9/30/2006
1 $100.00 Y 9/30/2006
1 $200.00 Y 9/30/2006
1 $300.00 Y 9/30/2006
1 $150.00 Y 9/30/2006

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thanks as always for the help