Conditional format on 2 criteria - excel 2010 in compatibility mode to 2003

Hi,

I am struggling with this new way of conditional formatting in excel 2010. The way you have to use absolute values even when the condition applies to multiple rows really confuses me, especially when it comes to using fomat painter to copy formatting. The attached document is a stripped down version of my real document. I am trying to make the font go bold if 2 conditions are met:
If A=Client and D < 6.5%
If A = NB and D < 15%

The data for A and D in my real document are not actual values but are results of formulas. Not sure if that makes a difference.
Also, although this is an excel 2010 doc, any formulas need to be compatible with 2003.

Can anyone help?