Please answer quick asap

Simplify. −4x^2 (5x^4−3x^2+x−2) −20x^6−12x^4+8x^3−8x^2 −20x^6+12x^4−4x^3+8x^2 −20x^8+12x^4−4x^2+8x −20x^6+12x^4+4x^3−8x^2

Twelve less than a number is at most 20

At the beginning of year 1, carlos invests $600 at an annual compound interest rate of 4%. he makes no deposits to or withdrawals from the account. which explicit formula can be used to find the account's balance at the beginning of year 5? what is, the balance?