Richard and Teo have a combined age of 48. Richard is 15 years older than twice Teo's age. How old are Richard and Teo? Richard is years old, and Teo is
years old.
(Type whole numbers.)

Calculate the total payback for a $3,500 loan at 8% annual interest with monthly payments for two years. show all of your steps. use the formula, m = pm(1 + m)^na/(1 + m)^na - 1, as needed.