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Posted to microsoft.public.excel.misc
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Default IF statement error

I need to take the sum value of several cells and then take another cell and
multiply it. Then with a nested IF, do the same thing with the Sum of
different cells(except one is the same). Keep getting #VALUE! returned.
Here is the formula I am trying:
=IF(SUM(F11,J11,L11)=105,AB11*0.1,0),IF(SUM(F11,G 11,Q11)=130,AB11*0.01,0)
What isn't working here?