please use excel:

Typically, the policy is bought by a parent or grandparent for a child at the childs birth. The details of the policy are as follows: The purchaser (say, the parent) makes the following six payments to the insurance company: First birthday: $ 850 Second birthday: $ 850 Third birthday: $ 950 Fourth birthday: $ 950 Fifth birthday: $ 1,050 Sixth birthday: $ 1,050 After the childs sixth birthday, no more payments are made. When the child reaches age 65, he or she receives $220,000. If the relevant interest rate is 10 percent for the first six years and 6 percent for all subsequent years, what is the value of the policy at the child's 65th birthday?