4/5 -1/2 in simplest form?

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Graph the equation by plotting point x=2

What is the factored form of the following expressions? d^2 – 13d + 36