Here is a formula that will do what you want
If( Sum( SUB_1 > 20, SUB_2 > 20, SUB_3 > 20 ) >= 2,
"Fail",
"Pass"
)
The Sum() function is documented in the Scripting Index
Help==>Scripting Index==>Functions==>Sum
The handling of Boolean logic is covered in the Scripting Guide
Help==>Books==>Scripting Guide
If you are going to to be using JSl, you need to take the time to read the Scripting Guide!
Jim