So P stands for principle which is the amount of the original investment, R stands for rate which is the percent but must be turned into a decimal, T stands for time for example if the time was in a certain amount of months then you plug that in with x/12, and lastly I stands for interest which is the original investment outcome ^_^
(15)(x+5) because product means multiply the two terms tigether
Answer:
6 divided by 3/5 is 10
Step-by-step explanation:

You wan't to get it into a format of (x+a)(x+b)=0
where a+b = 3 (the one from the 3x)
and where a*b= -4 (from the last -4)
(x+4)(x-1)=0
See how 4+(-1) = 3 and (4)(-1) = -4
now find what values of x would make the equation equal 0
x=-4
(-4+4)(-4-1) = (0)(-5) = 0
x=1
(1+4)(1-1) = (5)(0) = 0