The answer is "<span>the number of times the account compounds interest</span>".
The general formula is the following:

wherein r is the interest rate compound each four months.
Since there is 3*4 months in a year, then each year we compute the interest Three time, there where the factor 3 comes.
80% of 35 is 28 :) hope this helps!
Answer:
1. 94.25 is the surface area, 94.25 to 56.55 is the ratio of surface area to volume
2.138.23 is the surface area 138.23 to 113.1 is the ratio of surface area to volume