On Wed, 15 May 2013 17:13:00 -0700 (PDT), zvkmpw
wrote:

On a related note, can the "financial amounts" be sometimes negative?

If so, then the sum might be zero by combining a positive with a negative.

So perhaps consider a conditional formula like:
=AND(K1=0,L1=0,N1=0)

Thanks for your reply
There are no zeros anywhere in the spreadsheet, I looking for a line
of 3 Zeros in adjacent colums K, L & N