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Answer:
<u>→To combine the two functions, you have to multiply them together, like so:</u>
h(x) · s(x)
<u>→This can also be shown as:</u>
<u />
The reason as to why you would multiply the two functions together, and not add, is because of the words accrues. Based on the information given, the interest amount of money, which is $103, accrues, which basically means that the money will increase in a pattern, over time. In addition, when a world problem involves a bank and money, multiplication is usually occurring.