If Bob is in A1, and Bernice is in A2,
=max(0,a1-2400)+max(0,a2-2400)

Regards,
Fred

"MZ" wrote in message
...
In calculating a formula for deductibles, how would I express the
following:

There is a $2,400 deductible for each spouse; That is, if Bob has a claim
of
over $2,400, then return only the amount above 2.4k; if Bernice also has a
claim over 2.4k, then add her amount above 2.4k to Bob's amount; it is
possible for only Bob or only Bernice to have a claim or for both of them
to
have claims; anyone whose claim is below 2.4k would not be recorded; the
total after all subtractions cannot be below zero
thank you
--
MZ