Compared to the basic savings account

What is the equation of the graph below? y=sec(x)-4

You work for a lender that requires a 20% down payment and uses the standard depth to income ratio to determine a person‘s a little eligibility for a home loan of the following choose the person that you would rate the highest on their eligibility for a home loan

Issof claims that the scale factor is 1/2. which statement about his claim is correct