Multiply then simplify, that's doing the same work twice...anyway
x^3+x^2y+xy^2-x^2y-xy^2-y^3
x^3-y^3 which if factored is:
(x-y)(x^2+xy+y^2) which is what you started with :)
$1,000/12 = 83.3 repeated
Each person will reserve about $83.
I think the answer will be A
Y=x+3 (I did this in my head so I'm not sure)