I think this is what you want. assumes date in column A and value in
column B. Copy & paste from below into the formula bar.

=IF(YEAR(A2)-2004=0,B2*92%,0)+IF(YEAR(A2)-2004=1,B2*85%,0)+IF(YEAR(A2)-2004=2,B2*79%,0)


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BrianB


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