{=INDEX($D$2:$D$7,MATCH(1,(A10=$B$2:$B$7)*(B10=$C$ 2:$C$7),0))}
what does the "1" after "MATCH(" indicate?

1 = lookup value. It means to search for the exact match of the "1" within
the lookup_array: (A10=$B$2:$B$7)*(B10=$C$2:$C$7)
which basically reduces to an array of ones/zeros: {0;0;1;0 ..}
depending on where the dual conditions are simultaneously satisfied or not.
Eg in this case it returns: 3 as the relative position of the "1" within the
lookup_array.
This "3" is then used by the INDEX($D$2:$D$7, part
to return the 3rd element within that indexed range, ie what's in D4
--
Max
Singapore
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