What is 0.38 as a percent

Ricky takes out a $31,800 student loan to pay his expenses while he is in college. after graduation, he will begin making payments of $190.66 per month for the next 30 years to pay off the loan. how much more will ricky end up paying for the loan than the original value of $31,800? ricky will end up paying $ more than he borrowed to pay off the loan.

Suppose the equation ||x-a|-b|=2008 has 3 distinct real roots and a not =0. find the value of b.

(fog)(x) if f(x)=x^2- 4 and g(x)=x^2 + 2 x, f(g(x))= f(x^2+2x) (x^2+2x)^2-4 (x^2+2x)(x^2+2x)-4 (x^4+2x^3+5x+4x^2)-4 x^4+2x^3+4x^2+5x-4 what am i doing wrong