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Excel Double Vertical Lookup

I can do a regular vertical lookup but not quite sure how to do a double vertical lookup. I need to look up the state and then the county within my table to find the correct deductible. The lookup value for the state is in cell A12 and the lookup value for the county is in cell A13. The data is in cell K12:N500. The state is in column K, location is in column L, county column M and deductible column N

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