I have this fomula for a yes/no quesionaire. I've got the right formulas
(=IF(D45="Y",0.005,IF(D45="N",0,)))in there but i want to make them "or"
questions. Example

1% =One call close (received check and agreement on same day, or trip, as
first presentation)
..5%=for all 25 Key spots on newsletter contracts and customer profiles
completed at sale plus
..5%= for monthly billing to begin immediately (for quarterly) or within 14
days bimonthly) or
1%=for collecting first monthly payment and installation at time of sale or
3%=for collecting more than 50% of total contract at the time of sale

See how the last three are "or" - I don't know how to write this formula. I
hope this makes sense.
Thank you!!!
Kim