Please help ASAP !! Will mark brainless to whoever gets it right

Richard save $32 in march he saved $48 in april and $38 in may then richard spent $113 on a keyboard how much money does richard have left

Y=(x+3)(x-4)(x+1)^2 sulutions? multiplicity?

The probability that an adult possesses a credit card is .70. a researcher selects two adults at random. by assuming the independence, the probability that the first adult possesses a credit card and the second adult does not possess a credit card is: