Hope this helped
ask questions if u have any queries :)
The answer depends on what is meant by the "fourth term". By the binomial theorem, one answer could be

By symmetry, another could be
Answer:

Step-by-step explanation:
8 - 4s = 8 + 13
8 - 4s = 21
4s = 8 - 21
4s = - 13
s = -13/4
Exercise 1:
The exponents are wrong: when you divide two power, you subtract the exponents:

Exercise 2:
The function represents a growth rate of 300%! 3% is actually written as 0.03, so the correct function is

Exercise 3:
To factor a quadratic equation, we have to find the roots. Once you have the roots
, you can factor the expression as 
In this case, the solutions are
, which yields the factorization

Exercise 4:
When you multiply two powers of the same base, you add the exponents:

So, in your case, you have

Saved+need to save is at least needed
15+s≥40
A is answer