Nested If formula help

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Below is the formula I am attempting to use. It works perfectly if I my Auto Pay row is No or when the due date has not yet arrived but it doesn't put in the amount in the due row if the date has arrived. What do I have incorrect.


=IF([Auto Pay]@row = "yes", IF([Due Date]@row <= TODAY(), Due@row, 0), SUMIFS({Amt Pd}, {Bill Paid}, Bill@row, {Month}, [Due Month]@row, {Year}, [Due Year]@row))

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