Column J Column K Column L

10 Card Class Drop down Needed Formula
20 Card Class list of numbers
1-20

What I'd like is a formula that flags the word "Re-New Class Membership" if
either of the following conditions are present: (a) Column J is a 10 card
class, and Column K idicates that class #10 has been used, and (b) Column J
is a 20 Card Class, and Column K indicates that class #20 has been used.

The formula in Column L would alert the staff that the member needs to
re-new their 10 or 20 card class membership.

Thanks in advance for the help,

Dan