This is a way to work it out
<h2>Hey mate,</h2><h3>I have attached the answer below</h3><h3>Hope it will help you...</h3>
1)Y=165000(1-0.04)^t
2)y=165000(1-0.04)^20=?? Use the calculator
Age>8. I think ..............
They need to have common denomenators so change the fractions to 12/15 - 5/15 which is 7/15.