Actually, it was neither, what I posted is in the formula.
=INDEX(Work!$B$1:$F$823, MATCH($D8,Work!$D$1:$D$823,), MATCH("SOV",Work!$B$1:$F$1,)).
I had set it up using the Lookup Wizard. As far as working correctly, it gives the correct values (whenever there are values in the table). Will the missing zeroes help?
As for the morefunc - I have it, but not sure if it requires payment for it to work. How would I go about using it?