Thank you for answering my question on non-maxed vs maxed teen skills, and then attempting to make the spreedsheet right. However, the sheet is still not quite correct.
You guys will notice that, after punching in the values that you did for unmaxed Teens and Children, you got a multiplier of 6.08. With 9 levels of unmaxed skills, you should only have 1.18 as a multiplier. The value in the AA cell for the multiplier should be reading =1+(R3+R4+R5)*0.02 or =1+(R3:R5)*0.02. Since Google uses PEMDAS, that will give you the same result as =1+((R3+R4+R5)0.02) or =1+((R3:R5)*0.02). However, doing what is there right now with =1+(R3:R5*0.02) or =1+(R3+R4+R5*0.02) means the spreadsheet is multiplying R5*0.02 and then adding on 1+R3+R4, which will give a comically high multiplier.