Function for thresholds of two variables

I am trying to write a function with two variables. m has four categories: equal to 19 or less,20,21, and 22. al has three categories: less than 30,30 to 400, and over 400.

Input:
m=c(19,20,21,22)
al=c(30,400)

Output:
out1 <- c(0.95, 0.94. 0.93, 0.92)
out21 <- 1.091+3.02*(al-30)
out22 <- 1.093+3.03*(al-30)
out23<-  1.099+3.08*(al-30)
out24 <- 1

out3 <- c(0.87, 0.89, 0.91, 0.93)

I am trying to write a function with if else that looks like

out <- function(m,al)
{ 
if(m<=19 & al<30){
  out=0.95     
} else {
  if(m=20 & al<30){
    out=0.94    
  } else {
    if(m=21 & al<30){
      out=0.93    
...

I like to get an easy looking function that gives me output more easily. Further explanation on the conditions:

If m <=19 & al <30, out=0.95
If m =20 & al <30, out=0.94

...

If m <=19 & al in between 30 and 400, out=1.091+3.02*(al-30)
If m =20 & al in between 30 and 400, out=1.093+3.03*(al-30)
...

If m <=19 & al >400, out=0.87
If m =20 & al >400, out=0.89