Help me 7th grade work here

Simonne used the following steps to simplify the given expression. 12 - 3(-2x + 4) step 1: 12 + (–3)·(–2x) + (–3)·(4) step 2: 12 + 6x + (–12) step 3: 12 + (–12) + 6x step 4: 0 + 6x step 5: 6x what property of real numbers was used to transition from step 3 to step 4? a. identity property of addition b. inverse property of addition c. associative property of addition d. commutative property of addition

Use addition and subtraction to simplify the following polynomials. a. add polynomials: (3 – 4x + 8x^2) + (–6 + 2x – 5x^2) step 1: rewrite the polynomials without the parentheses. step 2: write the polynomial in descending order and use parentheses around like terms. step 3: add the like terms identified in step 2 to simplify the polynomial. b. subtract polynomials: (3x – 5 – 7x^2) – (–2 + 6x^2 – 5x) step 1: rewrite the polynomials without the parentheses. remember to multiply each term in the second parentheses by –1. show your work. step 2: write the polynomial in descending order and use parentheses around like terms. step 3: add the like terms identified in step 2 to simplify the polynomial.

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?