Which situation can be represented by the equation 4d + 5 = 29?

Can someone check if i did this right since i really want to make sure it’s correct. if you do you so much

A50% increase followed by 33 1/2% decrease

The expression 1.01*1.005(^t) gives the amount of money, in thousands of dollars, in carter's savings account (t) years after he opens it. what does 1.01 represent in this expression?