In what part of the world is the mutation for lactose tolerance most concentrated?

Asia. In certain regions the diagnosis is as high as 95% of the population.

9.9 years

a = p(1 + rt) . . account balance after time t at rate r starting with principal p

3000 = 2500(1 + 0.0202t) . . filling in the given numbers

1.2 = 1 + 0.0202t . . divide by 2500

0.2 = 0.0202t . . . subtract 1

0.2/0.0202 = t ≈ 9.901

it will take about 9.9 years for the account balance to reach $3000.

fumikage isn't really a bird, and tsuyu does have teeth. tsuyu has a transformation quirk which still allows her to be partially human. otherwise we'd have a large frog running around. fumikage has teeth because again, he isn't a bird. his head was a quirk mixture if i'm correct.