I thought I would show an example of what exactly I am getting stuck on. I
am trying to put a rate in A5 based on the following

If A3 is 240 and A4 is 0 then look up the rates from Sheet 2 A1:B7 using
the age in A1 or If A3 is 600 and A4 is 0 then look up the rates from Sheet
2 C1:D7

Sheet 1
A B C
1 =ROUND((($I$1-J8)-185)/(365),0)
2
3 240
4 1
5 ??????
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Sheet 2
A B C D
240 600
1 1 200 1 500
2 20 300 20 600
3 30 852 30 585
4 40 856 40 893
5 50 159 50 984
6 60 188 60 848
7 70 519 70 561
8
9
10