If you turn 1/4 into a decimal, which is 0.25, all you have to do then is 0.25 + 8 x 8 + 6 + 8 = 78.25 Hope this helps!!
Here's something I learned, if that's a go math text book the answers are always in the last couple pages of the book
Compound interest formula = a=P(1+r/n)^nt
P= lump sum to deposit (solving for)
A= amount accumulated over the entire time (20000)
n= number of times interest is compounded annually (1)
r= rate of interest (0.82)
T= total number of years (15)
20000=P(1+0.082/1)^1*15
20000=P(1.082)^15
20000=P(3.26143638)
20000/3.26143638=P
P=$6132.2674
B will be your best answer
The amount of points increase ~20 points each hour
just look at the point placements, and the amount each point is worth
also note that the bottom is by half hours, not hours
hope this helps