Please can someone help me answer this

Acredit card advertises an annual interest rate of 23%. what is the equivalent monthly interest rate?

Plz determine whether the polynomial is a difference of squares and if it is, factor it. y2 – 196 is a difference of squares: (y + 14)2 is a difference of squares: (y – 14)2 is a difference of squares: (y + 14)(y – 14) is not a difference of squares

Out of $20$ creepy-crawly creatures in a room, $80\%$ are flies and $20\%$ are spiders. if $s\%$ of the total legs belong to spiders, what is $s$?