I have the following matrix: The numbers in the column to the far left are
the range for the first growth and the numbers on the last row are the ranges
for the second growth. The percentages in the middle represent the discount
rate that the customer gets for the combination of growths. I am using the
following formula:

=SUMPRODUCT((Matrix!$B$2:$B$7=Summary!H12)*(Matrix !$C$8:$H$8=Summary!J12)*(Matrix!$C$2:$H$7))

This formula works great until one of the growth rates =0. It doesn't seem
to be able to pick up the percentage payout. For example, of Growth rate #1
= 0% and growth rate #2 = 10%, the customer should get 1.5% discount. Can
anyone help me pleaes?

Growth #1
9999.90% 2.25% 4.00% 4.50% 5.00% 5.50% 8.00%
25% 2.00% 3.50% 4.00% 4.50% 5.00% 7.00%
20% 1.75% 3.00% 3.50% 4.00% 4.50% 6.00%
15% 1.50% 2.50% 3.00% 3.50% 4.00% 5.00%
10% 1.25% 2.00% 2.50% 3.00% 3.50% 4.50%
5% 1.00% 1.50% 2.00% 2.50% 3.00% 4.00%
0% 5% 10% 15% 20% 25% 10000%
Growth #2