Can you please answer both? This is in Excel, and I need help finding the right formulas.

Applicant #Credit ScoreLoan AmountPMT/IncomeDown PaymentSavings AccountAutoPay?PMT OK?Score OK?Down OK?Discount?Approved?110896658$337,00037%$47,000YESNOyesyes yes 142779693$256,30043%$25,000NONOnoyes Suggest AutoPay 166330689$392,70037%$43,000NOYESyesyes yes 196576697$278,60043%$27,000YESYESnoyes yes 195432718$347,10037%$45,000YESNOyesyes yes 195051581$297,90035%$14,000NOYESyesno yes 139933704$281,70036%$30,000YESNOyesyes yes 148666662$369,70038%$36,000NOYESyesyes yes 162790567$302,60041%$51,000YESYESyesno yes 144496642$212,20037%$14,000YESNOyesno yes 144892633$237,70040%$45,000NONOyesno Suggest AutoPay 182962600$244,60039%$39,000YESYESyesno yes 185182697$390,90039%$43,000NONOyesyes Suggest AutoPay 131853659$330,70039%$52,000YESYESyesyes yes 171832638$269,70042%$43,000YESNOyesno yes 186322636$284,80038%$31,000YESNOyesno yes 151614714$384,20038%$65,000NONOyesyes Suggest AutoPay 111495635$364,50043%$21,000NONOnono Suggest AutoPay 132596730$224,10040%$29,000YESYESyesyes yes 169615730$195,10042%$13,000YESYESyesyes yes 129225715$217,50038%$41,000NONOyesyes Suggest AutoPay 160068595$279,10035%$27,000NONOyesno Suggest AutoPay 116992676$307,20038%$36,000YESNOyesyes yes 158635601$236,50035%$37,000YESYESyesno yes 126376676$340,40039%$44,000YESNOyesyes yes 164729683$222,90039%$37,000NOYESyesyes yes 174099716$368,00035%$55,000YESYESyesyes yes 134646690$195,70036%$25,000YESYESyesyes yes 111481593$400,30038%$24,000YESYESyesno yes 171378734$421,70043%$29,000YESNOnoyes yes

Complete the "Down OK?" column.

1. Use nested IF functions in cell K5. Include an AND function as part of the criteria in the second IF function.
2. Return Yes if the "Down Payment" (cell F5) exceeds 10% of the "Loan Amount" (cell D5) or if the "Down Payment" exceeds 5% of the "Loan Amount" and the "PMT/Income" ratio (cell E5) is less than 40%.
3. Otherwise return No.
4. Copy your formula down to complete the "Down OK?" column.

and

Approved?" column.

1. Use the three nested IF functions with an AND function as part of the criteria for the first IF function in cell M5.
2. Return Yes if "PMT OK?" (cell I5), "Score OK?" (cell J5), and "Down OK?" (cell K5) are all Yes.
3. Return "Loan too large" (without the quotes) if "PMT OK?" is No.
4. Return "Score too low" (without the quotes) if "Score OK?" is No.
5. Otherwise, return "Down too low" (without the quotes).
6. Notice that if "PMT OK?" is "No", only "Loan too large" is displayed, regardless of the status of "Score OK?" and "Down OK?" See the reading for details on why. Copy your function down to complete the "Approved?" column.