Closing a credit card usually -- your debt ratio? a) increases b) decreases c) has no effect on d) improves

Factor the polynomial 4x4 – 20x2 – 3x2 + 15 by grouping. what is the resulting expression? (4x2 + 3)(x2 – 5) (4x2 – 3)(x2 – 5) (4x2 – 5)(x2 + 3) (4x2 + 5)(x2 – 3)