USA testprep help! 2questions

Which statement about the annual percentage rate (apr) is not true?

Acomposition of transformations maps δxyz to δx"y"z". the first transformation for this composition is , and the second transformation is a 90° rotation about point x'.

Calculate the total payback for a $3,500 loan at 8% annual interest with monthly payments for two years. show all of your steps. use the formula, m = pm(1 + m)^na/(1 + m)^na - 1, as needed.