Nelson got a pack of 12 pencils. he took 3 pencils and put it in is desk at school and 2 pencils to put in is locker at school. what is the fraction of total pencils that Nelson took to school

Your client has saved $1,860 for a down payment on a house. a government loan program requires a down payment equal to 3% of the loan amount. what is the largest loan amount that your client could receive with this program