A population of lizards decreases exponentially at a rate of 12.5% per year. What is the equivalent monthly rate to the nearest hundredth of a percent?

Note that this is an EXPONENTIAL thing and the monthly rates won't be from dividing by 12, I don't think, based on my first shot at this involving a question with butterflies.
I think the best shots are 1.11 and 1.23 but I NEED to be sure.

0.20%

1.04%

1.11%

1.23%

Use set builder notation to represent the following set: { -3, -2, -1, 0}

Marco is studying a type of mold that grows at a fast rate. he created the function f(x) = 345(1.30)x to model the number of mold spores per week. what does the 1.30 represent? how many mold spores are there after 4 weeks? round your answer to the nearest whole number. 1.30 represents the number of mold spores marco had at the beginning of the study; 985 mold spores 1.30 represents the number of mold spores grown in a given week; 448 mold spores 1.30 represents the 30% rate of weekly growth; 345 mold spores 1.30 represents the 30% rate of weekly growth; 985 mold spores

Me asap on # : explain how factoring a trinomial, ax^2+ bx+ c, when a does not equal 1 different from factoring a trinomial when a = 1.