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Hi Michelle. Yes, the filters are used based on chronological order. Here's an article for more information: http://community.marketo.com/MarketoArticle?id=kA050000000Kyu0&src=. I would also recommend putting it a default name just in case there's a missing zip code that isn't assigned to a RAM.
Hi Michelle, Yes - I have a formula field set up exactly the same way and it works great.