a down payment of at least $20\%,$ job category is $3$ or better, there is a steady employment at least for the past $5$ years, annual income is at least $$65,000,$ and debt to income ratio is less than $20\%$

Rule $5$: applicant can borrow at $3\%$ rate if has a credit score more than $950,$ job category is $4,$ and either has a steady employment history of at least $5$ years or annual income of at least $$85,000.$ There is no need to check for applicant down payment and debt ratio in this category.

Use the reference table for rules. All numbers in your formulas should reference cells in this table. There should be no numbers in formulas, only cell references.

Use logical operators to find applicant qualifications for each rule.

Use the nested $"$IF$"$ function to show the best interest rate approved in column M$.$ In case an applicant does not qualify for any of these rules, the formula should return $$Not qualified$.$ Apply conditional formatting to change the fill color of the cell with the customer credit that shows not qualified.