Help me plz z

Fredrick designed an experiment in which he spun a spinner 20 times and recorded the results of each spin

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

The parabola y = x² - 4 opens: a.) up b.) down c.) right d.) left