You could use the following formula in cell D3 (or anywhere else you may need to).
=IF(AND(REGEXMATCH(B3, ","),C3="none"), "USA","Oops")
(Of course you can change "Oops" to whatever you like or even a blank cell"")
As you already know, merged cells only have values in the top left cell.
That is why you will need a helper column eg. in column P having all cells un-merged.
You can then use a formula like: =$P3="Highlight"
You are tracking behaviours per time period. The behaviours are: "Disruption" and "Task Refusal". You want to calculate the average of the last 14 days.
The layout of your spreadsheet is a barrier to calculation of the 14 day average. Dates are recorded on the horizontal axis (rather than vertical), and each date is merged across two columns - each column ...
You need to go to Format\Conditional formatting.
In new window add new formatting.
Then select range to which you need to apply formatting and set Format rules
"Date is before" "Today" and select Formatting you need - red fill.
Then do the same procedure but for Format rules "Date is after" "Today".