Grrrrrrrr, correction

=Q3*OFFSET(VolLifeRates!$B$20,MIN(0,INT(F3/5)-6),)

Regards
Ken.....................


"Ken Wright" wrote in message
...
Another possible option involving no additional data:-

Assuming your first rate starts in B20

=Q3*OFFSET(VolLifeRates!$B$20,F3/5-6,)

Regards
Ken...............