=IF(B3="Bedford", E37*5.3%, IF(B3="Richmond", E37*5.3%,IF(B3="Tidewater", E37*6%,"N/A")))
Can be simplified to
=IF(OR(B3="Bedford", B3= "Richmond"), 5.3%, IF(B3 = "Tidewater", 6%))* E37
or even, assuming only Richmond, Tidewater or Bedford will be in B3
= IF(OR(B3 = {"Bedford", "Richmond"}), 5.3%, 6.0%) * E37
ChemistB
My 2?
substitute commas with semi-colons if your region settings requires
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