Nested IF function


I am currently trying to create an IF function that will mark a row as overdue if in the 'status' cell is "Paid" or "paid through urgent payment".

At the moment i have it working for just one criteria, =IF(AND([Days Until Delivery]@row < 0, NOT(Status@row = "PAID")), "OVERDUE", "")

where do i add the second criteria "Paid Through Urgent Payment" - i cant work it out :-S




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