Changing cell value produces "#DIV/0!" error message

Can't work out why this error appears in a number of columns in my [refer attachment] spreadsheet.

I am trying to have flexibility in Cell S23. However, whenever I type-in a value that is "not" 2.00% or 1.5%, this error occurs.

Have tried two different formulas to test if either would make a difference: refers Cells J80 and J81 respectively. Neither works!


A solution would be most welcome.
Preceptor