Can i get the detailed explanation and process explained and using the SUMIF not SUMPRODUCT.

A banking officer at Stratford National Bank needs to determine how to invest $200,000 in the following collection of bonds to maximize annual return. The officer wants to invest at least 50% of the money in short term bonds and no more than 50% in high risk bonds. At least 30% of the funds should go in taxfree investements. and at least 40% of the total return should be tax free. Create a linear programming model to represet the problem using Excel Solver. The decision variables are the amounts of money that should be invested in each bond. The Objective Function is to maximize the total annual return in cell D12. To effectively solve this problem you will have to use the =SUMIF function in cells F10, H10, J10, and B13