3. State if each of the labeled points is a local min, max or neither.
Is the function even or odd? Explain.

f(x) = x^3 -2x^2 -3x

x( x^2 -2x-3)

x( x^2 +x -3x -3)

x( x(x+1) -3(x+1))

x( x-3)( x+1)

so zeroes are 0, 3,-1

its (2) option

one fourth of 9% = 2.25%

gavin is correct in saying : the equivalent quarterly interest rate would be

2.25%.