Need to create an IF statement where one cell or a second cell or both cells
equal zero and if true it reports one value and if false gives another value.
I tried the following formulas and did not get a numeric value:

=IF(E7=0"or"F7=0,12.95,19.95)
=IF(E7"or"F7=0,12.95,19.95)

Can anyone tell me how to correctly enter the formula?