In a chess match, a win counts 1 point, a draw counts 1/2 point, and a loss counts 0 points. after 15 games, the winner was 4 points ahead of the loser. how many points did the loser have?

Barrett is comparing the membership fees for two museums. the art museum charges a one-time fee of $8.25 plus $2.25 per month. the science museum charges a one-time fee of $10.75 plus $3.50 per month. how much does barrett save by joining the art museum instead of the science museum?