book Maths Puzzle Numerical Ability

I need some clarification on the zero-factor theorem.

I am to solve using the zero-factor theorem the following equation:

1. g^2-3g-18=0 I tried setiing up as g^2-3=0 and -18=0 this did not make sense to me.

and 2. 16d^2=4

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book Other Question
If the total bill at a restaurant, including a 15% tip, is
$65.32, what was the cost of the meal alone? How do you factor this?

y/y+2 - 1/Y^2+2y