Please help me

The management of a supermarket wants to adopt a new promotional policy of giving a free gift to every customer who spends more than a certain amount per visit at this supermarket. the expectation of the management is that after this promotional policy is advertised, the expenditures for all customers at this supermarket will be normally distributed with a mean of $95 and a standard deviation of $20. if the management wants to give free gifts to at most 10% of the customers, what should the amount be above which a customer would receive a free gift?

Tim has obtained a 3/27 balloon mortgage. after the initial period, he decided to refinance the balloon payment with a new 30-year mortgage. how many years will he be paying for his mortgage in total?

Determine if the outside temperature is a function of the time of day or if the time of day is a function of temperature and explain why or why not.