Step 2. You figured that you need to make at least $20,000 Net Profit for the 4th Quarter to show the bank that your business is continuously making enough to pay for the loan on your income statement. Select a function of what-if analysis to show how you may reach your goal by determining the amount of Sales and various Expenses in the 4th Quarter in the Income Statement sheet (note that there are pre-set formulas in the table, DO NOT delete them)