book Maths Puzzle Numerical Ability

-6h^5 t^2 + 3h^3 t^6
-2*3*h^5 t^2 + 3h^3 t^6


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Could you help me solve the following 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 interst rate increase over the period?
2ac+2ad/3a^2c+3a^2d