Help with xlookup combined with index match and table references

Hi Geniuses!

I am doing a double lookup from one named table to another. My WorkingTBL is the name of the destination for the formula that I keep trying to fix. I am needing to use the columns [Year] and [Personnel Name] to then lookup the appropriate rate in my PersonnelTBL.

My value errors keep breaking my brain:

Please check out my formula on the working tab - I want the formula to look at the data in the row given on the Year and the Personnel Name, then return the rate from the correct row and column of the PersonnelTBL on the lookups tab.

TLDR - what's wrong with this formula?
=XLOOKUP([@[Personnel Name]], PersonnelTBL[Personnel Name], INDEX(PersonnelTBL, MATCH([@Year], PersonnelTBL[#Headers], 0), 0), , "banana")

And yes, my default word for errors that are technically not errors but kind of are errors is 'banana'

This works almost perfectly - and I love the alternative idea of using SUMPRODUCT!

Where it works is based on the person selected in the Personnel Name for the WorkingTBL.

However, when I select a different Year in the WorkingTBL, the rate does not automatically look for the appropriate year column in the PersonnelTBL.

Thoughts?

Oh geez - nevermind - I never updated my formulas on the PersonnelTBL!

This solution works perfectly!!!

Thanks so much!