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Default If Statement Help!!

Hello,

I am a novice with Excel when it comes to formulas and VBA. My question is
this:

I have a spreadsheet that has a field called "Premium Adjustment". This
spreadsheet is used to adjust the Insurance premiums for flood insurance and
needs to calculate the premium for both Full Month and Partial Month. What I
am trying to do is use the formula for partial month but for a full month I
need one field (premium amount) to calculate different. In other words, If
Date Difference is 28, 30 or 31 then Premium Amount calculates using this
formula =SUM(V47:W47) instead of this =SUM(X48/360)*(Q48). How can I get this
to work? Please be sure to simplfy answer.

All help would be most appreciated.

Thanks!!
 
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