Spreedsheet #1: This spreadsheet should automatically calculate the traditional net cost (per thousand per year) AND the surrender cost (per thousand per year) of a nonparticipating whole life policy. The reference cells needed are the face value of the policy, the cash value at a specified future date, the annual premium, the number of years, and the interest rate. The goals is that by simply inputing these data, the spreadsheet will automatically preform the calculations. Clearly label the reference cells and the cell that displays the traditional net cost per thousand per year and the cell that displays the surrender cost per thousand per year.