Excel logic with IF statements

I made 75% of this logic already, I just need help for the last part.

here is the logic=

 =IF(AND(OR(G3=31,G3="31"),(TODAY()-60)>F3),"update to 32/40",IF(AND(SUM(H3:J3)=0,OR(G3=32,G3="32"),(TODAY()-105)>F3),"update to 33","no action"))

this basically says:

1. If G3 is 31 AND if its 60 days past the date in F3 then I want it to display "update to 32/40"
2. if G3 is 32 and the values in H3:J3 equals 0 and its 105 days past the date in F3 then i want it to say "Update to 33"

The logic i need to enter into this equation is

if G3 is 31 and H3:J3 equals 0 and if its 105 days the past in f3 then i also want the result to display "update to 33"

Thanks so much for your help :D