lock cells dependant on another cell value

I have a protected sheet with certain cells unlocked that a user can add data to.

The password for the sheet is password

In Cell J14 I will either have a value of Accepting or Refusing

If J14 = Accepting then Cells G14, G16, G22, J18 should remain unlocked

If J14 = Refusing then cells G14, G16, G22, J18 should be locked

I realize that this will have to go as a Worksheet Change event, and I have tried with no success to get the right code as my knowledge is still quite limited.

I would appreciate any help greatly.

I should mention that the cells referenced above are merged.

I have attached the spreadsheet below.

I have also posted this question here, but it has remained unsolved.

World Cup Betting V.3.141_TEST.xls