How do you find the intial value and rate of change?

You work for a lender that requires a 20% down payment and uses the standard depth to income ratio to determine a person‘s a little eligibility for a home loan of the following choose the person that you would rate the highest on their eligibility for a home loan

True or false: the graph of y=f(bx) is a horizontal compression of the graph y=f(x) if b< 1

3x + 4y = 5 x- 3y = -7 solve by substitution