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Default Check if Numer is less or great then a fixed number and return a v

Hi i am really having trouble to make the following work:
=IF(OR($F$928,$F$9<5),4,IF(OR($F$94,$F$9<13),12, IF(.....),20,0)))

Basically what i am trying to do is to find if F9 is between 29 and 4 then
return 4, if F9 is between 5 & 12 return 12, if it is between 13 & 20 return
20 and if it is between 21& 28 returns 28, (actually this is a billing cycle)
anyways to do that? or just change F9 to a date ?
 
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