Some one help please

Which problem could be  solved  by evaluating the expression  7×(−3)7×-3?

16. you're planning to buy a boat, a motor, and some miscellaneous boating equipment. the boat costs $325, the motor costs $225, and the equipment costs $79. if you've saved $438 toward these purchases, how much more do you need to save? a. $181 b. $281 c. $291 d. $191

What is the expression in factored form? -20x^2 - 12x a. 4x(5x+3) b. -4x(5x-3) c. -4(5x+3) d. -4x(5x+3)