The Nigerian city Gwagwalada is one of the fastest growing cities in the world. Between 2000 and 2020 it went from 73,000 people to 410,000 people. Calculate the annual growth rate for Gwagwalada between 2000 and 2020 (assume once-a-year compounding). Round the result to the nearest percent.

The management of a supermarket wants to adopt a new promotional policy of giving a free gift to every customer who spends more than a certain amount per visit at this supermarket. the expectation of the management is that after this promotional policy is advertised, the expenditures for all customers at this supermarket will be normally distributed with a mean of $95 and a standard deviation of $20. if the management wants to give free gifts to at most 10% of the customers, what should the amount be above which a customer would receive a free gift?