Need help major test !!

65 8 7 4 5 6 8 4 3 2 1 9 5 6 4 2 1 6 5 1 5 1 3 2 3 5 multiply the third number in the first row by the seventh number in the third row. add this result to the fifth number in the second row. add to this total ten times the fourth number in the third row. subtract the eighth number in the first row from the result.

Parks is wearing several rubber bracelets one third of the bracelets are tie-dye 1/6 are blue and 1/3 of the remainder are camouflage if parks wears 2 camouflage bracelets how many bracelets does he have on

Why is it so easy to buy on impulse and overspend with a credit card? what could you do to counteract this tendency?