One last question:

How would this be modified to find the closest or next smaller value?

=INDEX('Sheet2'!$BH$2:$BH$94,MATCH(O2&T2,'Sheet2'! $BF$2:$BF$94&'Sheet2'!$BG$2:$BG$94,0))


For example, if I am trying to match .625 and 5000 and the table has:


..625 4000 .55
..625 4750 .65
..625 5500 .25
..625 6000 .35

How do I get it to return the .65?