The answer is 36/49.
You take the second fraction and flip it (it will be 12/14) and you multiply straight across. You get 72/98. You simplify it by finding it's greatest common factor (in this case it is 2) so you divide it the numerator and the denominator by 2. You get 36/49.
A=p(1+i/m)^mn
A=11,700×(1+0.039÷4)^(4×18)
A=23,527.94
12=y-3y Combine like terms
12=-2y Divide
y=-6
False -1 is not a solution.