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Which expression shows the sum of the polynomials with like terms grouped together

If the simple annual interest rate on a loan is 6, what is the interest rate in percentage per month?

Alina fully simplifies this polynomial and then writes it in standard form. xy2 – 2x2y + 3y3 – 6x2y + 4xy2 if alina wrote the last term as 3y3, which must be the first term of her polynomial in standard form? xy2 5xy2 –8x2y –2x2y