What do i do i can't understand it my teacher stupid

Kevin is an insurance salesman. when he sells a policy, he makes 20 percent of the policy premium (p) up front; then each year the policy is active, he receives 15 percent of the original premium. which equation could be used to figure his total commission on a policy that has been active for five years? c=0.80p c=0.20p + 0.15p c=0.35p + 4(0.15) c=0.95p

Which of the following is correct interpretation of the expression -4+13

Can someone me do math because i am having a breakdown rn because i don’t get it