See attached picture for answer:
What this doesnt make sense
Well, "minus 6 x cubed minus y squared minus 3 x y" translates to:

Then, if we insert the values for x and y, we get:

When we distribute and multiply:

And once we combine like terms:
104<em> is the answer</em>
36 x (65+27) is the same as 36(65+27) .. you are able to distribute the 36 ( distributive property) onto the 65 and 27 and add them. Also, you can add the numbers in between the parenthesis and multipy them by 36. Nonetheless, you would arrive at the same answers.