(urgent) need with this so badly someone asap

Which function has the smallest y-intercept value

For the rule of 78, for a 12-month period, the last term in the sequence is 12 and the series sums to 78. for an 10 month period, the last term is and the series sum is . for a 15 month period, the last term is and the series sum is . for a 20 month period, the last term is and the series sum is

Factor the trinomial below. 12x^2 - 32x - 12 a. 4(3x+3)(x-1) b. 4(3x+1)(x-3) c. 4(3x+6)(x-2) d. 4(3x+2)(x-6)