Pat deposits $6,000 into an account earning 4% compounded monthly. How long will it take the account to grow to $10,000? 13 year
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You have 
apples left.
You have 5 whole apples, you took one whole apple out, which equals 4 whole apples left. Then with the whole apple you took out, you ate
of it.
Jack ate of an apple in 5 apples.
If you say that Jack ate of 3 apples, then he ate 
apples. So there isn't any difference when he ate of an apple.
You have 5 whole apples, you took one whole apple out, which equals 4 whole apples left. Then with the whole apple you took out, you ate
Jack ate
If you say that Jack ate