If, and, or, index, & match

it first check E48 and if blank returns 0, else it continues with formula...

Then checks if G48 is "NA", if it is it completes the first INDEX function, else it completes the second INDEX function.

The Index/Match functions are basically the same as yours, but I used the last 2 digits of D48 to determine which column to go to...achieved with the LOOKUP() function.. which looks up a value in an array that is listed in ascending order (the first array) and finds the last value that is smaller than or equal to the search value and extracts the corresponding item from the second array at the same point.