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What am I missing?

Hi,

This formula does everything correct until L21 is left blank and then I get
a 'FALSE' value in O21 instead of an empty cell.

O21:=IF(AND(I21="IO",L21<"",N21<""),L21*N21,IF(A ND(I21="PI",L21<""),PMT(0.09,30,-L21)))

Can anyone help?

Thanks in advance.

Scott

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