1. Liam wants to compare monthly payments for interest rates that vary from 3.95% to 5.15% and for terms of 120, 180, and 240 months. He has already set up the structure for a data table in the range A12:D25. Create a two-variable data table as follows to provide the comparison that Liam requests:
   1. In cell A12, enter a formula without using a function that references the monthly payment amount (cell D6) because Liam wants to compare the monthly payments.
   2. Based on the range A12:D25, create a two-variable data table that uses the term in months (cell D5) as the row input cell and the rate (cell D4) as the column input cell.