Heyy I need your help is this right?

Acredit card advertises an annual interest rate of 23%. what is the equivalent monthly interest rate?

Which of the following describes the graph of y--4x-36 compared to the parent square root function? stretched by a factor of 2, reflected over the x-axis, and translated 9 units right stretched by a factor of 2, reflected over the x-axis, and translated 9 units left stretched by a factor of 2, reflected over the y-axis, and translated 9 units right stretched by a factor of 2, reflected over the y-axis, and translated 9 units left save and exit next submit

Me n o w. i need t h i s. 10 points