user Trojkolka said:(http://productforums.google.com/forum/#!category-topic/docs/spreadsheets/q7MBn_LUDgI)
Is there a way to match a list of criteria in this SUM formula
After making this work. I was thinking about the maintainability of the spreadsheet.
I present the following solution based on my understanding of what Trojkolka wants to accomplish
Spreadsheet settings ... Locale: Finland