Please help with the below formula

=IF(AND(H30,I30,J30),"Loyal$$$"),IF(AND(H30,I3 0,J3=0),"Retained$$0"),IF(AND(H30,I=0,J30),"Ret urning$0$"),IF(AND(H30,I3=0,J3=0),"New$00"),IF(AN D(H3=0,I30,J30),"Lapsed0$$"),IF(AND(H3=0,I30,J3 =0),"Lapsed0$0"),IF(AND(H3=0,I3=0,J30),"Lost00$") ,IF(AND(H3=0,I3=0,J3=0),"NoSales000"),IF(AND(H3=0, I3=0,J3<0),"ZDead00N"),IF(AND(H3<0,I3<0,J3<0),"ZDe adNNN"),IF(AND(H3<0,I3=0,J3=0),"ZDeadN00"),IF(AND( H3=0,I3<0,J3<0),"ZDead0NN"),IF(AND(H3<0,I3=0,J3<0) ,"ZDeadN0N"),IF(AND(H3=0,I3<0,J3=0),"ZDead0N0"),IF (AND(H3<0,I30,J30),"ZLaspedN$$"),IF(AND(H3<0,I3 0,J3<0),"ZLapsedN$N"),IF(AND(H3<0,I30,J3=0),"ZLap sedN$0"),IF(AND(H3<0,I3<0,J30),"ZLostNN$"),IF(AND (H3<0,I3=0,J30),"ZLostN0$"),IF(AND(H3=0,I3<0,J30 ),"ZLost0N$"),IF(AND(H3=0,I30,J3<0),"ZRecovering0 $N"),IF(AND(H30,I3<0,J30),"ZRecovering$N$"),IF(A ND(H30,I3<0,J3=0),"ZRecovering$N0"),IF(AND(H30,I 3<0,J3<0),"ZRecovering$NN"),IF(AND(H30,I3=0,J3<0) ,"ZRecovering$0N"),IF(AND(H30,I30,J3<0),"ZRetain ed$$N")