ANNUITY() - memvar=ANNUITY(principal,interest,years)
 EFFAR() - memvar=EFFAR(interest rate,compounding periods)
 FUTURE_AMT() - memvar=FUTURE_AMT(<amt desired,#payments/year,interest,#years)
 FV() - memvar=FV(amount, interest rate, #periods,compound frequency)
 PAYMENT() - memvar=PAYMENT(amount, interest rate, # months)
 PV() - memvar=PV(<PAYMENT,Periods,ANNUAL INTEREST,Compound Freq)
 SUM_YR_DEP() - memvar=SUM_YR_DEP(<cost>,<salvage val>,<useful life>,<yr to calc)