Interpret the y-intercept of the graph

Ihave trouble finding the nth term of a linear sequence

2people are trying different phones to see which one has the better talk time. chatlong has an average of 18 hours with a standard deviation of 2 hours and talk-a-lot has an average of 20 hours with a standard deviation of 3. the two people who tested their phones both got 20 hours of use on their phones. for the z-scores i got 1 for the chatlong company and 0 for talk-a-lot. what is the percentile for each z-score?

Melissa is purchasing a $160,000 home and her bank is offering her a 30-year mortgage at a 4.9% interest rate. in order to lower her monthly payment, melissa will make a 20% down payment and will purchase 3 points. what will her monthly mortgage payment be? a. $645.98 b. $650.46 c. $662.93 d. $606.69