Help me please It’s urgent

Abank gives 6.5% interest per year. what is the growth factor b in this situation?

F(x)=x/2-2 and g(x)=2x^2+x-3 find (f+g)(x)

Clara schumann is buying bagels for her coworkers, she buys a dozen bagels priced at $5.49 a dozen. the bakery's cost for making the bagels is $2.25 per dozen. what is the markup rate based on selling price on a dozen bagels?