Excel nested if, and and or statements testing for 1 or more items in a group, and comparing to 1 or more items in a second group to give a reply in one cell

Good evening,

I have a spreadsheet where there are two columns, one that is abeled "products" with a drop-down list of 5 items in it that the user can select, and another column labeled "calculation types" with another drop down list with a different drop-down list of 9 items for the user to select. In both cases, the user can only select one item for each column. I used If, Or and AND functions, trying to say: if any one or more of the product list group is selected AND it is matched with any one or more of the calculation type list, the it should perform a specific math function. It seemed to work well, but when I began to test it for the various permutations possible, it gave some wrong results. I have created formulas to address all five product type matches with all nine calculation types. The cells I need formulas for are "interest discount $ amount", "interest charge $ amount" and "settlement value". Depending on the selection, in certain cases the discount interest is not used in the calculation, and therefore I want those cells to remain blank. To account for the quantities possible, I am using nested functions. I am wondering if it would be better to use the IFS function, so as not to have to deal with many nesting layers. My work PC uses Office 365. so I should be able to use the IFS function there. If I cannot successfully troubleshoot my nested formulas, I thought a workaround may be to create a hybrid name for product and calculation type that the user would select from the drop-down list, and then create specific results for each hybrid name. For calculations not involving interest at all, I would like the cell to remain blank and not say "false" or give any other message. Any assistance that you could provide would be greatly appreciated.

IF(OR(C30="CMS Cit.",C30="BSS Cit.",AND(F30="mh-LCA")),

(H30*0.3)+H30,

Sincerely,

Daryl