I am asking for some tips because I have a tendency to make things more complicated that they probably should.

If the answer on this challenge were a piece of code, it would be easy. Just asign a value to each of the five fields that you want to check for and add up the values. I dont see how to do that in a formula. The if statement just looks so gnarly that I cant imagine that I am doing it with a nested if.

Has anyone finished this? Can you give me any tips on how to dcomplete the challenge? I am stumped.

Many thanks, 
Mark