Hello Smarter-Than-Me People -
I am creating a weighted average formula where one of the columns ("W") could be either a) blank, b) have the number "0", or c) have the number "12". The only problem I'm having with the formula below is that I want the blank cells (no entry) and the cells with a "0" to behave the same. In other words an empty cell is the same as having a "0" in the cell. I don't care about the number "12" for this formula -- that's already solved, as there is no either/or problem with that formula. The formula below (my problem) does as it should for the blank cells but not the cells with a "0". And, yes, I've probably gotten carried away with the CHOOSE function. I added that after searching for solutions (never used that function before). Thanks for your help! It really is appreciated. 

=IF($B6=0,"",IF($B6="","",SUMIFS('Locked Loans'!$C:$C,'Locked Loans'!$W:$W,CHOOSE({1,2},"","0"),'Locked Loans'!$E:$E,$A6)/SUMIFS('Locked Loans'!$C:$C,'Locked Loans'!$E:$E,$A6)))