[mso] Excel Question - Please help

Hi. I'm having problems with the below formula. The only problem is that if 
C3=0, I want the outcome to be 0, not 75. You'll see that at the end, 75 is 
added on. I think the formula works otherwise, but I'm having trouble 
segregating the C3=0 from the +75 at the end.  Can you help?
 
=IF(C3=0,0,IF(C3>10000000,(((C3-5000000)*D65)+E64),IF(C3>5000000,(((C3-5000000)*D64)+E63),IF(C3>100000,(((C3-100000)*D63)+C62)))))+75
 
What the formula does in general is figure insurance commissions - if the 
amount of the insurance is 0, I want 0 to result.  If the amount is anything 
over 100,000, I want the formula to give me the commission and add 75.  Please 
note that the commission structure is tiered so that if the deal is 50mm, the 
commission is one rate up to 5mm, a different rate from 5mm to 10mm and a 
different rate over 10mm and up to 50mm - the resulting commission from each 
tier gets added to the next tier to get the commission

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