Help with Access / SQL

I have a table in access called retailers.
I want to build a query that will only return records where the Cost – payments made is >0
fields involved are [COST],[PAY AMOUNT 1],[PAY AMOUNT 2],[PAY AMOUNT 3],[PAY AMOUNT 4]

Here is what I tried and it returns no records even though there are records that match this criteria:

SELECT*
FROM Retailers
WHERE [COST]-[PAY AMOUNT 1]-[PAY AMOUNT 2]-[PAY AMOUNT 3]-[PAY AMOUNT 4] >0

Can someone clue me into the proper SQL statement needed?