At the beginning of Year 1, your auto-insurance premium for the next year is $300. If you have 0 accidents in a year your premium for the next year drops 10 percent, if you have 1 accident in a year your premium for the next year increases10 percent, and if you have 2 accidents in a year your premium for the next year increases 30 percent. Set up a spreadsheet that will determine the premium cost for Years 1–30. (Hint: # of accidents are up to you. Idea is to create an IF formula that will return the correct auto insurance premium in each year for any number of accidents.)