I have a variable in my dataset called fbnone, representing if respondents to a survey have no fringe benefits. It is a dummy variable where if they have no fringe benefits it is equal to 1 and if they do have fringe benefits it is equal to zero. However, I also have two other variables flextime and transitbenefits which I would like to include in fbnone. Basically, I want my new variable FBNone to be 1 if (fbnone=1, flextime=0, and transitbenefits=0). How would I go about generating this variable?