The amount Howie will pay back at the end of one year is $26000.00
The given parameters are:
-- the principal amount
-- the interest rate
--- the duration
The amount to pay back in this duration is then calculated using:

So, we have:


Express percentage as decimal


Multiply

Hence, the amount to pay back is $26000.00
Read more about simple interest at:
brainly.com/question/1115815
1 / 10 is the easiest answer. Remember ratios are just percentages. It could also be 2/20, 3/30, as long as it is 10%.