multiple if(ands 's

Thank you so much for your quick responses, but you are all very far advanced in relation to me.

I set up that example thinking I would be able to understand the end formula and re-apply it but alas I am once again lost.

I am attaching an excel sheet with the variables I need to apply. What I need to do is written out in section T3. This is something I have put about 45 hours of work into so far and I am at the last leg with this last problem.
If you can help, I will be forever great full and in your debt. And if you can't I will still be very appreciative of your efforts.
Thank you for Everything!