How to write CAML query with nested ANDs or ORs - sharepoint

Question

Before you start suggesting U2U CAML Editor or CAML Designer 2013, I already tried both, none of them allow me in an intuitevely way to group ANDS/ORS statements to do the proper query.
I have a list if Bill cycles with some fields, In SQL This would be extremely easy:
WHERE (Content Type='Bill Cycle')
AND (Status != 'Completed' ANDStatus!='Terminated' and Status!=NULL)
AND (JobAdvisor:xyz OR JobPartner:xyz or JobManager:xyz or Reviewer:xyz or AnotherUserField:xyz)
My code is more or less like this: but I am missing to group the 2 big statements here
<And>
<And>
<And>
<Neq>
<FieldRef Name='Bill_x0020_Preparation_x0020_Status' />
<Value Type='Text'>Completed</Value>
</Neq>
<Neq>
<FieldRef Name='Bill_x0020_Preparation_x0020_Status' />
<Value Type='Text'>Terminated</Value>
</Neq>
</And>
<IsNull>
<FieldRef Name='Bill_x0020_Preparation_x0020_Status' />
</IsNull>
</And>
<Eq>
<FieldRef Name='ContentType' />
<Value Type='Computed'>Bill Cycle</Value>
</Eq>
</And>
<Or>
<Or>
<Or>
<Or>
<Contains>
<FieldRef Name='Billing_x0020_Advisor_x0020_Reviewers' />
<Value Type='User'>a</Value>
</Contains>
<Contains>
<FieldRef Name='Final_x0020_P_x002F_D_x0020_Approver' />
<Value Type='User'>a</Value>
</Contains>
</Or>
<Contains>
<FieldRef Name='BillManager' />
<Value Type='User'>a</Value>
</Contains>
</Or>
</Or>
<Contains>
<FieldRef Name='Bill_x0020_Preparer' />
<Value Type='User'>a</Value>
</Contains>
</Or>

Answer 1

Just following your SQL example... the outer and's three things: the Bill Cycle test, the and'ed status test, and the OR block.
<And>
<Eq>
<FieldRef Name='ContentType' />
<Value Type='Computed'>Bill Cycle</Value>
</Eq>
<And>
<Neq>
<FieldRef Name='Bill_x0020_Preparation_x0020_Status' />
<Value Type='Text'>Completed</Value>
</Neq>
<Neq>
<FieldRef Name='Bill_x0020_Preparation_x0020_Status' />
<Value Type='Text'>Terminated</Value>
</Neq>
<IsNull>
<FieldRef Name='Bill_x0020_Preparation_x0020_Status' />
</IsNull>
</And>
<Or>
<Or>
<Or>
<Or>
<Contains>
<FieldRef Name='Billing_x0020_Advisor_x0020_Reviewers' />
<Value Type='User'>a</Value>
</Contains>
<Contains>
<FieldRef Name='Final_x0020_P_x002F_D_x0020_Approver' />
<Value Type='User'>a</Value>
</Contains>
</Or>
<Contains>
<FieldRef Name='BillManager' />
<Value Type='User'>a</Value>
</Contains>
</Or>
</Or>
<Contains>
<FieldRef Name='Bill_x0020_Preparer' />
<Value Type='User'>a</Value>
</Contains>
</Or>
</And>