Who tryna help me with my work? 10th Grade work btw

Kevin's bank offered him a 4.5% interest rate for his mortgage. if he purchases 3 points, what will be his new rate?

What is y times x by? y is __ times x

Astrid spent $36 on new shoes. this was $12 less than twice what she spent on a new skirt. part a: which equation would solve for how much she spent on the skirt? part b: solve the equation in the workspace provided below. how much did astrid spend on her skirt?