ANSWER
b=11
EXPLANATION
The given quadratic equation is

We expand to get:

We simplify further by combining the x terms.

This is the standard form.
Comparing to

We have b=11
Answer:
It's the first option: -5, 1 and 4
(250 * 12) / 39,000 = 3000/39,000 which reduces to 1/13 <==
** I multiplied 250 by 12 to get the cost per yr