Find the quotient. 4^10/4^2

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Sorry guys but as you have a small brain

Joe has some money in his bank account he deposits 45$ write an expression that represents the amount of money in joe's account