book Maths Puzzle Numerical Ability

What is the discriminant in the quadratic equation X^2+ 11X +121=X + 96?

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3) The formula for calculating the amount of money returned for deposit money into a bank account or CD (Certificate of Deposit) is given by the following:
A = P(1+r/n)^nt I need help doing this problem:
(4x + 3w^2)(4x - 3w^2)