[mso] Help with Sumproduct

Dear Friends,
   
  I have data Regionwise (NORTH,EAST,WEST & SOUTH) with different over due 
days, & collected values.  Overdue days are 1-2000, I wish to get values in 
break of <90,  >91>180 & >180days, Regionwise.
   
  I use sumproudct but no result only 0 comes.
   
  Please help, what error can be there, or more suitable formula.
   
  Regds,
   
   
       
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