Louise wants to factorize completely the given polynomial 
Grouping first, second terms together and third, fourth terms together
= 
Taking
common from first and second terms of the given expression and taking 5 common from the third and fourth terms.
=
Taking (x+3) common from the given expression,
=
is the completely factored form.
Answer
The annual payment will consequently decrease
Step-by-step explanation:
If the APR charged say on a mortgage loan is decreased, then the total repayments due will as a consequence decline provided the repayment term remains unaltered. Nevertheless, a decline in total repayments due amounts to a decrease in the annual repayments
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