Please help! This is due tomorrow!

Simplify. −4x^2 (5x^4−3x^2+x−2) −20x^6−12x^4+8x^3−8x^2 −20x^6+12x^4−4x^3+8x^2 −20x^8+12x^4−4x^2+8x −20x^6+12x^4+4x^3−8x^2

Question 13 (1 point) jerome is starting a new job. his contract states he will earn $42,000 the first year, and will get a 4% raise per year. which function s(x) represents jerome's salary after a certain number of years, x?

I’m still confused on how to work the percentages