Simplify the complex fraction: 8/9 / -4

Kevin is an insurance salesman. when he sells a policy, he makes 20 percent of the policy premium (p) up front; then each year the policy is active, he receives 15 percent of the original premium. which equation could be used to figure his total commission on a policy that has been active for five years? c=0.80p c=0.20p + 0.15p c=0.35p + 4(0.15) c=0.95p

Aflute is on sale for 20% off. including the discount and 8% tax, the sales price is $216.

Having a hard time understanding this question (see attachment).