Janet’s savings account has $12.10 more than the $242 it had at the beginning of the year. What percent more was in the savings
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this formula, doesn't rely on a product, relies on a "sum", or is namely an arithmetic sequence, aₙ₋₁ -3 is another way of saying, the value of the previous term minus 3, so it relies on the ordinal value of a term, so is an recursive formula, well, let's get it when n = 4.