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Teri Teri is offline
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Default IF Formula Error

I have a spreadsheet that calculates a 3 year percentage ratio in colum F8.
I'm trying to create a formula that will look at the percentage ratio in a
cell and return the following information:

If over 125% "Surcharge" to appear in adjacent cell
If under 75% "Reduction to appear in adjacent cell
If between 76% and 124% "No Change" to appear in adjacent cell

Any help would be greatly appreciated!!

Thanks