Currently, I have column F setup as follows: =IF(D8="Excellent","$99",IF(D8="Pass","$99",IF(D8="Mid","$198","")))

The ideal setup is 9 in column g, Y in columns I and J. That means you can use 9 points and break even. If you use under 9 (in column G), column H reflects the positive points you saved. If they use a Credit Card (Column K), it's minus .5 point. Column G is how many points you actually used. If they use Genie, it's +1 point, or minus one if they don't.

So, if someone puts in 9 points, uses Genie and ACH, they break even (column H shows zero). If they put in 9 points, DON'T use genie (-1), but DO use ACH, column H is minus 1. If they use 9 points, don't use genie and put it on a credit card, that's minus 1.5 points.

Hope this makes sense and thanks for the help so far everyone!