25) When you reverse the digits in a certain two-digit number you decrease its value by 54. What is the number if the sum of its digits is 12?

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Sam makes his sales calls according to a pattern. he travels either north or south depending on the calendar. some of his past trips were as follows: on february 17, april 24, june 10, september 19, and november 3 he drove north. on february 28, may 25, august 22, november 20, and december 18, he drove south. describe sams' pattern. in which direction will sam drive on oct4 and oct 24?

Calculate the effective quarterly compound interest rate equivalent to a 1% of monthly compound interest rate.