Does any thing go into 31 evenly

What are the excluded values? m+5/mn+3m

What’s the answer? and how do i solve it ?

Susan is paying $0.30 per $100 on her $483,000 home in homeowners insurance annually. if her annual homeowners insurance premium is divided into twelve equal monthly installments to be included on each of her monthly mortgage payments of $2,128.00, what is her total monthly payment?