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Micayla Bergen
 
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Default cell variables in IF formula

i have this formula (Thanks Biff)
=IF(J13="","",IF(J13=0,"Stock not rated",IF(OR(J13={1,2}),"Sell","")))
now i want to add in further variable - if J13 has "cmt" or "divs" then the
cell is blank, then if any of the above...
thank you