Answer:
18. x² + x - 4
20.
or 
22. x² + 2x - 2
Step-by-step explanation:
For some reason my work was unable to be submitted so please see attachment for detailed explanation
Step-by-step explanation:
Permutation
:The number of ways to choose a sample of r elements from a set of n distinct objects where order does matter and replacements are not allowed.

Factorial
: There are n! ways of arranging n distinct objects into an ordered sequence.
Considering a situation when n = r in a permutation, nPr reduces to n!, a simple factorial of n.
Proof: 3P3 = 3!
n = 3 and r = 3

But 0! = 1
3P3 = 3!
David's : y = 12,350 - (240x)
Amanda's : y = 12,350 + (240x)
David's equation is correct, because their spending will be multiplied by the number of months and then subtracted from their savings
The answer is 1/3. Hope I helped