Tell whether the unknown factor is less than 1 or greater than 1

Asocial networking site currently has 400,000 active members, and that figure is predicted to increase by 32% each year. the following expression represents the number of active members on the site after t years.

Solve this system of equations. 12x − 18y = 27 4x − 6y = 10

The management of a supermarket wants to adopt a new promotional policy of giving a free gift to every customer who spends more than a certain amount per visit at this supermarket. the expectation of the management is that after this promotional policy is advertised, the expenditures for all customers at this supermarket will be normally distributed with a mean of $95 and a standard deviation of $20. if the management wants to give free gifts to at most 10% of the customers, what should the amount be above which a customer would receive a free gift?