I have been using the IF formula to calculate everything else on this time
card that I am trying to creat, but in certain instances for CA if a person
does not meet 40 hours in a M-F workweek, and works on say Saturday the time
worked on Saturday does not count as OT until the 40 hour threshold is met.

ie: worked 35 hours M-F, worked 7 hours on Saturday, we need 5 hours to go
into regular hours, and the remaining 2 hours into OT. it gets really
complicated. I'm hoping someone already created a worksheet with all the
formulas and can answer my question.