exam Maths Puzzle Numerical Ability

What are the steps to solving this kind of problem? I can solve problems other ways like using FOIL and problems with a formula for two multiplied things, but when there are three to multiply, I have no idea. Please help me!

(13y-5)(2y+4)(y+2)

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exam Other Question

2p-q=2
2p+3q=22

Equation 1 2p-q=2 Multiply by 3 so, 6p-3q=6
6p-3q = 6
2p+3q = 22
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8p = 28/8
p = 3/8?? looks wrong from here. In a survey of 150 adults, 66% said they have a savings account, 36% said they owe money on a loan, and 8% said that they neither save nor owe money. How many of the respondents have both a savings account and a loan?