Summary field to Formula Multi-Select Text field

Here's the setup:

Application A has a semicolon delimited summary field called LOB Summary.  It can be any combination of up to 126 lines of business

Application B has a multi-select field that contains 9 options.

I'm trying to create a field in application A that will translate that LOB Summary into a usable format for application B.   I used the following formula based on a previous post.  There's more to it but you get the jest.  The problem is that it's throwing an error saying it's expecting textlist but found text.  Do I just need to remove the "totext" from the formula below, or how do i get that to work.

List(", ",
If(Contains(ToText([IntakeID - LOB Summary]),"All Sales and Distro"),"Retail/COR"),
If(Contains(ToText([IntakeID - LOB Summary]),"AT&T Retail"),"Retail/COR"),
If(Contains(ToText([IntakeID - LOB Summary]),"National Retail - Mobility"),"National Retail"),
If(Contains(ToText([IntakeID - LOB Summary]),"Authorized Retail"),"Authorized Retailer"),
If(Contains(ToText([IntakeID - LOB Summary]),"Online Call In"),"Online"),

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Michael Sargent
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