公式：
=LOOKUP(F1,{180000;300000;600000;900000;1200000},{0.002;0.004;0.006;0.008;0.01})
或者，如下图：
=sumproduct((A1>{18,30,60,90,120}*10^4)*(A1-{18,30,60,90,120}*10^4)*{0.2,0.2,0.2,0.2,0.2}%)
