I was about to provide a hint, to address tomarkin's doubts and after reading your solution I admit that what you did is exactly what I had in mind.
Although both of you reacched the correct answers, F(13)=1782 it is quite difficult to evaluate, say, F(33) using the direct method, while it is a single column in Excel to get it in no time.
I am going to use your detailed explanation as the official solution.