IF And Statment

Hi ,

I am trying to do an If and, here is what i have done in BI, but it dose not give me any value so i am guessing it wrong.

YTD SAVINGS =
IF(AND((Detail[Period: Start Date] <= NOW()), "0"),

IF(AND(Detail[Period: Start Date] <= NOW(), Benefits[Stage] = "Operate"),Detail[Savings Amount])
)

Any help will be great.

Thanks