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Default Combination...SumProduct, Index, Match?

Hello!
Life was simple, then we offered multiple rates for the same paper.
Your assistance with the following scenario is greatly appreciated.
-Monte

Rate Chart
Tier....Paper1...Paper2...Paper3
...1.......$1.00.....$5.00.....$7.00
...2.......$2.00.....$5.00.....$7.00
...3.......$3.00.....$5.00.....$7.00
...4.......$4.00.....$5.00.....$7.00

Customer Accounts
Customer.....Tier.....Paper1.....Paper2.....Paper3 .....Rate.....Due
Customer1......1..........1....................... ................$1.00....$1.00
Customer2......2..........4....................... ................$2.00....$8.00
Customer3......3..........X....................... ................$3.00....$0.00
Customer4......1.........................1........ ................$5.00....$5.00
Customer5......4.................................. ......X.........$7.00....$0.00

When the customer subscribes to paper1, use the customers tier number to
find the corresponding rate on the rate chart. Do this even if the customer
is not currently receiving the paper (marked with an x).

If the customer subscribes to paper2 or paper3, regardless of the customers
tier number, the rate is always the same.

Last, for each customer, the amount due is always the quantity of each paper
multiplied by the rate, except when the customer is not receiving the paper
(marked with an x), then its zero.
 
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