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pls give me formula

If you roll two fair dice (one black die and one white die), in how many ways can you obtain a 4 on at least one die?

Acompany that manufactures and sells guitars made changes in their product range. from the start they had 20 models. then they reduced the number of models to 15. as a result, the company enjoyed a 10% increase in turnover. - how much did the stock level change? in (%)

Diane’s bank is offering 5% interest, compounded monthly. if diane invests $10,500 and wants $20,000 when she withdrawals, how long should she keep her money in for? round to the nearest tenth of a year.