Thanks Bob! your formula worked with one correction:

=IF(P7="M",VLOOKUP(O7,$X$19:$Z$27,3)),"") &
IF(P7="G",VLOOKUP(O7,$X$30:$Z$41,3)),"") &
IF(P7="BA",VLOOKUP(O7,$X$45:$Z$57,3)),"") &
IF(P7="F",7%,"") &
IF(P7="UTC",9%,"") &
IF(P7="UTM",7%,"") &
IF(P7="CF",2%,"") &
IF(P7="c",VLOOKUP(O7,$X$60:$Z$68,3)),"")

I needed to add another parenthesis to close each vlookup statement.
Thank you for this. The answer was so simple yet it eluded me.
kat


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