PS....

I wrote:
=if(or(D14,D15="DUNN",D15="JANE",D15="THOMPSON") *
and(D10,or(D11="DUNN",D11="JANE","THOMSPON")), "VIOLATION!", "")

It just occurred to me.... Since you are accustomed to
OR(...)*AND(...) instead of the more customary AND(OR(...),AND(...)),
you could avoid the nested AND(...,OR(...)) above by doing the
following:

=if(or(D14,D15="DUNN",D15="JANE",D15="THOMPSON") * (D10<0) *
or(D11="DUNN",D11="JANE","THOMSPON"), "VIOLATION!", "")

Of course, you could really go crazy and replace OR() with an
expression using "+". But I think that's taking the paradigm too far
in this context. Either of the above do not sacrifice readability,
IMHO.