Literally Louise didn't pay anything, the bank just deducted the negative balance to her paycheck. to answer how much the she paid, the answer is $33.72, this is the negative amount balance on her bank.
(x+2)(x+1)
If you multiply those together then it will equal x^2+3x+2.
1/3 of 81 = 81 • 1/3 = 81/3 = 27