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The IBC spreadsheet was created so that it’s shown similarity with hand calculation.

The result
can be easily verified (step by step) by hand calculation. I use the password to protect the
integrity of the spreadsheet. The input values or cells are indicated in blue font type or drop down
input. The program works best with macro enable but not required. To enable macro see Excel
help file. The user can exam or modify the content of cells by copy and paste command to the
new workbook. The application is freeware, so feel free to distribute.

To modify the worksheet, click Tools, Option and check in block Row& column headers.
Click (at the corner of column and row) to highlight the entire worksheet, copy and paste to your
new worksheet and Unhide all columns and rows. You should be able to see the original format.
Modify any cell you like. For more details, please read Excel help files.

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