What is the factorization of the polynomial below? -x^2-13x-40

I’m stuck on this i don’t understand.

Janie has $3. she earns $1.20 for each chore she does and can do fractions of chores. she wants to earn enough money to buy a cd for $13.50. write an inequality to determine the number of chores, c, janie could do to have enough money to buy the cd.

Acoin bank containing only dimes and quarters has 12 more dimes than quarters. the total value of the coins is $11. how many quarters and dimes are in the coin bank?