Plz help asap test due soon

What is the factored form of x2 − 4x − 5? (x + 5)(x − 1) (x + 5)(x + 1) (x − 5)(x − 1) (x − 5)(x + 1)

After the seventh month of a 12-month loan: the numerator is: {(n + 11) + (n + 10) + (n + 9) + (n + 8) + (n + 7) + (n + 6) + (n + 5)} = , and the denominator is: {(n) + (n + 1) + + (n + 11)} = . therefore, the fraction is numerator/denominator (to the nearest tenth) = %

Which approach to the theory-and-research cycle does the following sequence reflect: (1) specific observations suggest generalizations, (2) generalizations produce a tentative theory, (3) the theory is tested through the formation of hypotheses, and (4) hypotheses may provide suggestions for additional observations?