At the beginning of Year 1, your auto-insurance premium for the next year is $300. If you have zero accidents in a year, your premium for the next year drops 10 percent; if you have one accident in a year, your premium for the next year increases10 percent; and if you have two accidents in a year, your premium for the next year increases 30 percent. Set up a spreadsheet that will determine all possible premium costs for Years 1 through 30, depending on the number of accidents you had during the previous year.