book Maths Puzzle Numerical Ability

My homework problem is this:

X+3[2 5] [12 7]
[1 4] = [0 -8]

The numbers after the 3 are one matrix and the numbers after the equals sign is another matrix.

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Mrs.Ellis is setting up an annuity for her retirement. She can set aside $2,000 at the end of the year for the next twenty years and it will earn 6% annual interest. What lump sum What is the answer to this question?
3x+2.4 = -5.1