Calculation with two parameters

Greetings

I am busy developing a Sales Scorecard whereby we mark and measure the performance of our sales consultants according to certain criteria.

The one thing I want to measure is the number of cold-calls per day. It is compulsory to do a minimum of 5 cold calls per day. For every cold call done, a consultant earns 0.1 points. I have worked out a total number of expected CRM per month, as well as an expected number of CRM to date. If a consultant defaults and his/her total number of CRM to date drops below the expected number of CRM to date, he or she is penalised and loses all points accumulated. His/her points will thus fall to zero for that specific criteria.

My calculation reads as follows:

IF (TOTAL CRM >= EXPECTED CRM ; TOTAL CRM * 0.1 ; 0)

My issue is as follows: if the consultant defaults and hits zero, the total must remain at zero and cannot be corrected (i.e. they can't "make-up" the lost CRM's)... How does one achieve this?