Express 2³a²b in factor form

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?

Me. i can't figure out this question. give an explanation too. .

Graph y = -|x| + 2. click on the graph until the correct one appears.