How can I "trick" excel to use non-continuous cell

I would like to have
=xirr(m3:m4 and n5,d3:d5)
or
=xirr(m3:m40 and n41,d3:d41)

I realize that xirr doesn't accept the "and" . I'm including it to help
explain my question.


--
Wag more, bark less