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Default Mulitple "IF/OR" statments

I need a formula which will test 2 cells for "<0" and perform the same
funtion if either cell is less than zero. If either cell is more than zero
perform a different function.

IF (F4 OR K3) = less than zero then current cell = zero
IF (F4 OR K3) is greater than zero then = (F4-H4)*.46


 
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