Using the Excel spreadsheet, calculate expected reserves in Year 20 for a single surviving policyholder who purchased an entire life product at age 40 and who requires a premium equal to $2265.98 and makes a claim of $400,000 at the end of the year of the policyholder's death. Assume an interest rate of 6% per annum (i.e., the average interest rate in the scenario) and that mortality rates follow the 2010-12 Australian Life Tables (female rates) and are attached to the activity.