I am trying to set up a template for determining the winners of a skins game. Each of the eighteen holes has an assigned handicap, and based on the golfers handicap he may get 0, 1, or 2 strokes. For example, one of the holes has a handicap of 2, so any golfer with a handicap of greater than 1 will get a stroke on that hole, (IF statement is: IF(Handicap>1, score-1,score)). The problem is that if the golfer's handicap is greater than 19, he should get two strokes on that hole. How can I make that a condition of the formula?