Just why oh why is the default OR instead of AND?  Just ... why?  It's a crazy, bonkers decision.

Also, it'd be great to have a 'Does not contain' option...

There's a great program in Zoho Books dying to get out, but it's hampered by its awful, awful UI.  Perhaps it's the nature of accounts (and that I have to process 2 years' worth of data) but I feel right now that ZB is the most eccentric piece of software I've used since Lotus Notes.  The UI, to repeat, is gob-smackingly dreadful.