Anyone wanna talk? Im bored

Alicense plate is to consist of 44 digits followed by 55 uppercase letters. determine the number of different license plates possible if the first and second digits must be? odd, and repetition is not permitted.

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Sorry guys but as you have a small brain