Hi, thanks for all the input, to answer your last question, yes im hoping to have a simple table of answers with a couple of columns from the vehicles table and then some the name of the bank and maybe the tier/deal description and then the actual calculations, i think thats the main goal..... however if its possible to create a table of every possible results and then have another formula use that to get the table i describe above thats great, at least the user can see all the results if need be.....

As for how this is done, im really in over my head with this matrix and may need to do some studying, but it sounds like you have a grasp on what needs to be done

The bank table by the way i will adjust, its not format in a friendly way at the moment and the rates and ADV i want to place on there own row for example.......

|Bank|Region|Other Columns...|Rate 1|ADV 1|
|Bank|Region|Other Columns...|Rate 2|ADV 2|
|Bank|Region|Other Columns...|Rate 3|ADV 3|

otherwise its going to be very difficult to break this section down for each bank as their ranges/dimensions will differ

but it sounds promising what you are proposing and ill do whatever i can .....

Thanks
Paul S.