What's a function linear

Can somebody me out with this question

Ernest is purchasing a $175,000 home with a 30-year mortgage. he will make a $15,000 down payment. use the table below to find his monthly pmi payment.

Marco is studying a type of mold that grows at a fast rate. he created the function f(x) = 345(1.30)x to model the number of mold spores per week. what does the 1.30 represent? how many mold spores are there after 4 weeks? round your answer to the nearest whole number. 1.30 represents the number of mold spores marco had at the beginning of the study; 985 mold spores 1.30 represents the number of mold spores grown in a given week; 448 mold spores 1.30 represents the 30% rate of weekly growth; 345 mold spores 1.30 represents the 30% rate of weekly growth; 985 mold spores