Get value based on columns and row headers

Hello,

I've attached an example file to better explain what I'd like to accomplish.


example.xlsx


I would like to be able to type numbers into the yellow cells (Temperature and specific gravity), and populate the "K factor" cell using the table above. For example, if I enter this information:

Temperature: 20
Specific Gravity: 2.65

Then the cell after "K factor" will read 0.01365

I've experimented with VLOOKUP and INDEX, but still can't figure it out.

Thanks