OK here's another problem I need help with.

A B C D

x x x Certifiy Now, In Training

I need a formula that provides me with a flag (in cell D1) depending upon
whether or not cell A1:C3 have "x" marks in them. If all three cells are
checked the flag should say "certify now". If all three cells are NOT checked
(or all three are blank) than the flag should say "in training". Any easy
suggestions?

Thanks much!

Dan