Pls help me with algebra i dont get it

You work for a lender that requires a 20% down payment and uses the standard depth to income ratio to determine a person‘s a little eligibility for a home loan of the following choose the person that you would rate the highest on their eligibility for a home loan

100 points, hi, i’m not sure what to do here, the data doesn’t seem to be quadratic .? can anyone me, in advance

Simplify. −4x^2 (5x^4−3x^2+x−2) −20x^6−12x^4+8x^3−8x^2 −20x^6+12x^4−4x^3+8x^2 −20x^8+12x^4−4x^2+8x −20x^6+12x^4+4x^3−8x^2