I need a formula which i beleive requires an IF And OR Statements together
but I am stuck.

It needs to say: if cell a is greater than 0 and less than 20, and cell b is
greater than 0 than its cell b times 10% orif cell a is greater 20 and less
than 40 and cell b is greater than 0, than its cell b times 15% or if cell a
is greater than 40 but less than 90 and cell b is greater than 0 than its
cell b times 20% or if cell a is greater than 90 and cell b is greater than 0
than its cell b times 25%
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Chip