The Sundaram family just bought a third car. The annual premium would have been x dollars to

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The Sundaram family just bought a third car. The annual premium would have been x dollars to insure the car, but they are entitled to a 10% discount since they have other cars insured with the company.
a. Express their annual premium after the discount algebraically.
b. If they pay their premium quarterly and have to pay a y-dollar surcharge for this arrangement, express their quarterly payment algebraically.

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