Look things up

Look up by both row and column

=INDEX(B2:C4,MATCH(E2,A2:A4,0),MATCH(F2,B1:C1,0))

How it works in Excel

The idea in general

It is like reading a mileage chart: find the row, find the column, and read where they cross.

What I assumed

Check the result on your own data before relying on it.

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