Creating a complex program...

Ok i have attached my spreadsheet workbook, so here is the back ground to what it is that i am trying to get it to do; each certificate has a birth date, the day it was generated. The value of the certificate only last 5yrs before it depleets. The first two years the certificate holds its full value. Every year after that the certificate loses 25% of its original value, i.e -
if there is a value of 1.00 created in 2009
it will hold that 1.00 value untill 2011
in 2011 it will drop to 0.75
in 2012 it will drop to 0.50
in 2013 it will drop to 0.25
in 2014 it will drop to 0.00 (no more value)

each deduction is taken from the original value not its subsidary; i.e;
if there is a value of 3.86 created in 2008
it will hold that 3.86 value until 2010
in 2010 it will drop to 2.90
in 2011 it will drop to 1.93
in 2012 it will drop to 0.97
in 2013 it will drop to 0.00 (no more value)

given the event that a transaction occurs the newly deducted amount becomes the reining value: I.e;
if there is a value of 3.86 created in 2008
it will hold that 3.86 value till 2010
in 2010 it will drop to 2.90
but in 2011 before its deduction date there is a sale of 1.00
making the new amount 1.90
so in 2011 on the deduction date the new deduction will be .50% of 1.90
in 2011 it will drop to 0.95
in 2012 it will drop to 0.48
in 2013 it will drop to 0.00 (no more value)

what i am trying to create in this spreadsheet is that exact process, the only issue at hand is having the table to the right of the transaction table have a running balance that will also display its annual deductions.

This is more than likely extremely confusing and i am more than willing to answer any questions that may come up. On the bottom of the "table with sales" are three seperate equations that i have made over time, but getting them to work as one whole has not been sucessfull. If anyone can get the transaction table to keep a running balance as well as the "table with sale" to keep a running balance with the annual deductions that'd be great, otherwise i will have to live with just the way it is.

Thank you tons in advance.