JE McGimpsey, thanks for the idea - I put in the following per your site
but it returns an error...can anyone clarify what the error is?

=SUMPRODUCT(--(D7{0;3000000;5000000}),(D7-{0;3000000;5000000}),{.5%;.75%;1%})


rsenn, that is the strategy i had been trying but for some reason my
mac (brand new with brand new excel) crashes when i try to nest ifs.


--
abryan
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