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Default Question about a formula (Excel XP)

I'm "dissecting" a budget to better understand and (hopefully) put it to use
for our oreganization. I ran across this formula is a cell:
=IF($B$13-'Cash Budget'!C37<0,0,(($B$13-'Cash Budget'!C37+'Cash
Budget'!C38)*'Unrestricted Revenue'!$B$9/12))

I understand the order that Excel will do the various mathematical
operations, but am confused about this part: "..<0,0, ..." Specifically
the second 0(zero) inside the commas. What does it mean?

--
Mike Webb
Platte River Whooping Crane Maintenance Trust, Inc.
a 501 (c)(3) conservation non-profit organization


 
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