thats all the information i have

12.4 Accountants often need to print financial statements with the words "DO NOT COPY" appearing in light type in the background. 1.a. Create a watermark with the phrase "DO NOT COPY" in a Word document. Print out a document that displays that watermark. 2.b. Create the same watermark in Excel, and print out a spreadsheet page that displays that watermark. 3.c. Can you make your watermark "invisible" so that it can be used to detect whether a document containing | sensitive information has been copied to an unauthorized location? How? How could you use that "invisible" watermark to detect violation of copying policy? 12.5 Create a spreadsheet to compare current monthly mortgage payments versus the new monthly payments if the loan were refinanced, as shown: Refinancing Calculator Instructions: Only Enter Data Into Borderless Cells; Do Not Enter Data Into Cells With Borders Current loan amount $500,000 Current term (years) 30 Current interest rate 5% Current monthly payment $2,684.11 New loan amount $400,000 New loan term (years) 25 New interest rate 4.50% New monthly payment $2,223.33 1. a. Restrict access to the spreadsheet by encrypting it. 2.b. Further protect the spreadsheet by limiting users to the ability to select and enter data only in the six highlighted cells. 12.4 Accountants often need to print financial statements with the words "DO NOT COPY" appearing in light type in the background. 1.a. Create a watermark with the phrase "DO NOT COPY" in a Word document. Print out a document that displays that watermark. 2.b. Create the same watermark in Excel, and print out a spreadsheet page that displays that watermark. 3.c. Can you make your watermark "invisible" so that it can be used to detect whether a document containing | sensitive information has been copied to an unauthorized location? How? How could you use that "invisible" watermark to detect violation of copying policy? 12.5 Create a spreadsheet to compare current monthly mortgage payments versus the new monthly payments if the loan were refinanced, as shown: Refinancing Calculator Instructions: Only Enter Data Into Borderless Cells; Do Not Enter Data Into Cells With Borders Current loan amount $500,000 Current term (years) 30 Current interest rate 5% Current monthly payment $2,684.11 New loan amount $400,000 New loan term (years) 25 New interest rate 4.50% New monthly payment $2,223.33 1. a. Restrict access to the spreadsheet by encrypting it. 2.b. Further protect the spreadsheet by limiting users to the ability to select and enter data only in the six highlighted cells