A "point" is 1% of your borrowed amount on a mortgage. You want to pay 2 points to get a 0.5% reduction in your interest rate on
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$=(a^2-10a)-(b^2+6b) +16$
$=[(a^2-2(5)a+25)-25]-[(b^2+2(3)b+9)-9]+16$
$=(a-5)^2-25-(b+3)^2+9+16$
$=(a-5)^2-(b+3)^2$