What is 0.000036÷180 in standard form

Can someone pls ! pls answer all. no explanation needed..

Ricky takes out a $31,800 student loan to pay his expenses while he is in college. after graduation, he will begin making payments of $190.66 per month for the next 30 years to pay off the loan. how much more will ricky end up paying for the loan than the original value of $31,800? ricky will end up paying $ more than he borrowed to pay off the loan.

If i had 1234 apples and 1 banana what is the total amount