Can anyone me out. i dont know what 9x9 equals. what is the prouduct?

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

Use the distributive law to multiply. 3(4x + 5y + 6)

It says factor each expression completely 8y+48