FREE POINTS! TAKE 'EM FROM ME

Based on what i know about mean, this doesn't add up.

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Lena reflected this figure across the x-axis. she writes the vertices of the image as a'(−2, 8), b'(−5, 6), c'(−8, 8), d'(−4, 2).