Answer:
Jim - Ocean, because lakes don't have waves to surf on. Oceans do.
Darrell - Lake, because it's the only other water option.
Janet - Mountains, because Stephanie doesn't live in the mountains.
Stephanie - Desert, because it's the only one left.
Hope I could help!
~ Marshy ~
The function would be the initial plus growth rate * # years
So: f(x) = 9.05 + 0.031(7)
Where x= # years
30% of the 30 marbles is nine and 9-30 = 21 so your answer is 21