book Maths Puzzle Numerical Ability

simplify: -(x-1)-(3x-2)-(7x-5)

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How do I solve this problem?

The interest rate on an auto loan in May was 12 3/8%. By September the rate was up to 14 1/4%. How many percentage points did the interest rate increase over the period?

Thanks, She
-6(u+5)^2=120