4 Americans can arrange themselves in 4! ways.similarly ,3 Frenchmen can arrange themselves in 3! ways.3 Englishmen can arrange themselves in 3! ways.now these 3 groups of same nationality people can be arranged among themselves in 3! ways.so total number of ways = 3!4!3!3!
X is the amount of everything. (total)
x = 20 + j
Simple Interest
He will have saved $1,945.60 after 12 years