Let n be the integer index of a year for simulating an endowed (interest earning) scholarship account where x[n] is the amount deposited into the account during yearn, and q[n] is the balance of the account at the end of year n. At the beginning of each new year, the balance is increased by adding 6.5% interest based on the balance at the end of the previous year. Also at the beginning of each year, 9% of the average of the balances at the end of the two previous years is removed from the account to pay for scholarships. Let y[n] represent the amount of scholarship money paid at the beginning of year n. Find the difference equation in standard form?