\Irene is arranging photos for a yearbook page. If she has 4 photos to choose from, in how many ways can she pick 3 of them and line them up on the page?

Margaret is purchasing a house for $210,000 with a 15 year fixed rate mortgage at 4.75% interest she has made a 5% down payment the house is valued at 205,000 and the local tax rate is 3.5% homeowners insurance 600 per year what are her total monthly payment