Keiko is making gift bags for guests at a party. She has 36 gel pens and 27 refrigerator magnets Keiko wants to use all the gel pens and refrigerator magnets to make identical gift bags. What is the greatest number of gift bags Keiko can make?

Rose and andrew are financing $128,000 to purchase a condominium. they obtained a 15-year, fixed-rate loan with a rate of 5.05%. they have been given the option of purchasing up to four points to lower their rate to 4.81%. how much will the four points cost them?