I need some help with a validation rule

Hi everyone,

I need some help with this validation rule.  I think I just need to move a comma, but I can't figure it out.

I need the rule to fire if the Opportunity is moved to Closed Won/Closed Lost/Annual Proposal Sent, and the "Included in New Business Target" <> Yes or No (it's blank), and the Record Type <> Agawam.

Can anyone see why it's not working properly?  It fires if the Stage = Closed Won and "Included in New Business Target" = Yes.

AND(
NOT(RecordType.Name = "Agawam"),
OR(
NOT(ISPICKVAL(Included_in_New_Business_Target__c , "Yes")),
NOT(ISPICKVAL(Included_in_New_Business_Target__c , "No"))
),
OR(
ISPICKVAL(StageName, "Closed Won"),
ISPICKVAL(StageName, "Closed Lost"),
ISPICKVAL(StageName, "Annual Proposal Sent")
))