Nested IF statement Trouble

I am getting very frustrated and I think I just need another set of eyes to see this.

this is a little complicated, but here's what I'm trying to do...

I'm creating a bowling spreadsheet that displays awards won depending on what the person bowled, their average, and scores.

A bowler bowls 3 games. I need to know if any of those games deserve an award based on all of this criteria..

If they have bowled 21 games, check to see if current average is 90 or below
If they have not bowled 21 games, check to see if last years average is 90 or below. (if they bowled 21 games or more, do not check last years average)
If the average is 90 or below, then check to see if any of the 3 games are between 125 and 149.

If they're average is 90 or below and they bowled between 125 and 149, they receive an award.

I know this sounds a little confusing, but I'm at a loss. I think I have so many IF, AND and OR statements that I got really confused myself.

Thank you for any help you can give me.