Twenty-one people are to be divided into two teams, the Red Team and the Blue Team. There will be 10 people on Red Team and 11 people on Blue Team. In how many ways can this be done?

Margaret is purchasing a house for $210,000 with a 15 year fixed rate mortgage at 4.75% interest she has made a 5% down payment the house is valued at 205,000 and the local tax rate is 3.5% homeowners insurance 600 per year what are her total monthly payment