Create a spreadsheet to compare current monthly mortgage payments versus the new monthly payment if the loan were refinanced, as shown: Refinancing Calculator Instructions only enter data into highlighted cells; do not enter data into cells without highlighting Current Loan Amount Current term (years) Current interest rate Current monthly payment New loan amount New loan term (years) New interest rate New monthly payment Required Information: $500,000 30 5% $2,684.11 $400,000 25 4.50% $2,223.33 1. Restrict access to the spreadsheet by encrypting it. 2. Further protect the spreadsheet by limiting users to the ability to select and enter data only in the six highlighted cells. 3. Use the PMT function to find the unhighlighted parts of excel 4. What is the formula to calculate Interest Rate (RATE) Function 5. Show/explain how to calculate payment term (NPER) function.