Sub test()
Set t = Rows(65536)
For r = 1 To ActiveSheet.UsedRange.Rows.Count
If Cells(r, 4) = "" Or Cells(r, 12).Text = 0 Or Cells(r, 21).Text = 0 Then Set t = Application.Union(t, Rows(r))
Next
t.Delete
End Sub
Sub test()
Set t = Rows(65536)
For r = 1 To ActiveSheet.UsedRange.Rows.Count
If Cells(r, 4) = "" Or Cells(r, 12).Text = 0 Or Cells(r, 21).Text = 0 Then Set t = Application.Union(t, Rows(r))
Next
t.Delete
End Sub