This formula is a "Work-in-progress",
meaning I'm dealing with a rather complicated table structure (currently less
than 7 If's), but, right now with 5 if's -- the formula IS NOT picking up any
records showing "vsmc-sca-NonC" (the 5th If) but instead these same records
are being assigned "VMD" (the 2nd If). Can you spot my problem?

=IF(D385="Cash","Cash", <<1st If

IF(AND(OR($D385="Discover",D385="MASTER",D385="Mas ter
card",D385="VISA"),OR(NOT((K385="SCA/FACS NONCARILION")),NOT((K385="SCA/NORTH
CAROLINA")))),"VMD", <<2nd If

IF(AND(D385="null",C3850,OR(K385="SCA/FACS NONCARILION",K385="SCA/NORTH
CAROLINA")),"bkdf-SCA", << 3rd If

IF(AND(D385="null",C385<0,OR(K385="SCA/FACS NONCARILION",K385="SCA/NORTH
CAROLINA")),"bkdf-SCA-Crs", <<4th IF

IF(AND(OR(D385="MASTER",D385="VISA"),K385="SCA/FACS
NONCARILION"),"vsmc-sca-NonC", <<5th If

"bkdf"))))) << Current Default

Much Appreciated..

Jim May