I have to write a formula that accomplishes the following task:

I have a spreadsheet that has three columns. The columns are "Subs1"
"Subs2" and "RATE1". Here's what I want it to do:

If Subs1 = 0 and Subs2 = 0, ""
If Subs2 0, sumproduct (subs2,rates1)
If Subs1 0 and Subs2 = 0, sumproduct(subs1,rates1)

I know this isn't all that difficult, but for some reason, it is not working
for me.

Thanks in advance!

Kelly