Please help me I'm being timed

What 2 forces allow things to fall ‍♀️‍♀️

Ricky takes out a $31,800 student loan to pay his expenses while he is in college. after graduation, he will begin making payments of $190.66 per month for the next 30 years to pay off the loan. how much more will ricky end up paying for the loan than the original value of $31,800? ricky will end up paying $ more than he borrowed to pay off the loan.

The annual snowfall in a town has a mean of 38 inches and a standard deviation of 10 inches. last year there were 63 inches of snow. find the number of standard deviations from the mean that is, rounded to two decimal places. 0.44 standard deviations below the mean 2.50 standard deviations below the mean 0.44 standard deviations above the mean 2.50 standard deviations above the mean