Guys can u help me on this one pls it's math

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

Annabelle's homework is 75% it took her three hours how long should she estimate it will take her to complete her homework.

Can someone show me step by step how to do this?