franco has a credit card with a company that charges 11.9% annual interest on unpaid balances whichever payment of $20 or 15% of the unpaid balance whichever is greater

Ifound this on google “that means that the graph of a function with direct variation has these features: it is a straight line: because the slope is the ratio y/x = k. it passes through the origin (0,0): because y = kx = k (0) = 0.” i hope this you for what your looking for

Answer is negative 2