=IF(N3="-",0,IF(OR($B3="第1个月",$B3="第2个月",$B3="第3个月"),IF(N3>=97.85%,20+(N3-97.85%)/0.01%*1,IF(20-(97.85%-N3)/0.01%*1<=0,0,20-(97.85%-N3)/0.01%*1)),IF($B3="第4个月",IF(N3>=98%,20+(N3-98%)/0.01%*1,IF(20-(98%-N3)/0.01%*1<=0,0,20-(98%-N3)/0.01%*1)),IF($B3="第5个月",IF(N3>=98.2%,20+(N3-98.2%)/0.01%*1,IF(20-(98.2%-N3)/0.01%*1<=0,0,20-(98.2%-N3)/0.01%*1)),IF($B3="第6个月以后",IF(N3>=98.4%,20+(N3-98.4%)/0.01%*1,IF(20-(98.4%-N3)/0.01%*1<=0,0,20-(98.4%-N3)/0.01%*1)))))))>=30,30,IF(OR($B3="第1个月",$B3="第2个月",$B3="第3个月"),IF(N3>=97.85%,20+(N3-97.85%)/0.01%*1,IF(20-(97.85%-N3)/0.01%*1<=0,0,20-(97.85%-N3)/0.01%*1)),IF($B3="第4个月",IF(N3>=98%,20+(N3-98%)/0.01%*1,IF(20-(98%-N3)/0.01%*1<=0,0,20-(98%-N3)/0.01%*1)),IF($B3="第5个月",IF(N3>=98.2%,20+(N3-98.2%)/0.01%*1,IF(20-(98.2%-N3)/0.01%*1<=0,0,20-(98.2%-N3)/0.01%*1)),IF($B3="第6个月以后",IF(N3>=98.4%,20+(N3-98.4%)/0.01%*1,IF(20-(98.4%-N3)/0.01%*1<=0,0,20-(98.4%-N3)/0.01%*1))))))))
