It's about 2.064 if you make the number an improper fraction then divide
The first one is the correct answer.
When you multiply, you end up with 49x^16+28xy^40-28x^40 -16y^64
The two middle terms cancel out so you end up with 49x^16-16^64.
Answer is B
Formula is: P=r(PV)/1-(1+r)-n
r = .065/12 = .00541
P = $90,100
n = 15 x 12 = 180
P= 90,100 X 0.00541 / 1 - (1 + 0.00541)-180
P= $784.87