What effect will this have on the graph??

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 graph shown is the graph of which function?

In the polynomial below, what number should replace the question mark to produce a difference of squares? x2 + ? x - 36