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Default How can I format a cell on a specific date?

I have a spreadsheet that has the following:
Column 1 = Person's name
Column 2 = Amount due

I need cells to change colour if the amount due is not paid by the 20th of
the month. I have managed to figure out the date bit but unsure of what to
put for the value as the amount due for each person is different.

I hope this makes sense.

Any help would be greatly appreciated.

 
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