Please help it'd mean so much!

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?

5,600 x 10^3 = a) 560 b) 5,000,600 c) 5,600,000 d) 56,000

Multiply. write your answer in simplest form. 3/8 x 5/7