Anyone want a gf because im open

(98 points) i need with 5 questions. answer definitions are welcomed, but not necessary.

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?

Martha has a deck of cards. she has lost some of the cards, and now the deck only contains nine spades, eleven diamonds, eight clubs, and twelve hearts. martha predicts that whenever she draws a card from the deck without looking, she will draw a club one-fifth of the time. which activity would best allow martha to test her prediction? a. randomly draw a card from the box and see if it is a club. b. randomly draw a card. then, continue to draw another card until all eight clubs are drawn. c. randomly draw and replace a card 120 times. then, observe how close to 30 times a club is drawn. d. randomly draw and replace a card 100 times. then, observe how close to 20 times a club is drawn.