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Which approach to the theory-and-research cycle does the following sequence reflect: (1) specific observations suggest generalizations, (2) generalizations produce a tentative theory, (3) the theory is tested through the formation of hypotheses, and (4) hypotheses may provide suggestions for additional observations?

The table shows the balance of a money market account over time. write a function that represents the balance y(in dollars) after t years.

What is the 12th term of b(n)=-4-2(n-1)