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shine has some money in his account. every month, he uses the same amount of money from his account to pay for his music classes. the table below shows the amount of money left in his account after a certain amount of time, in months:

months(x) years(y)
0 190
1 145
2 100
3 55

what is the value of the rate of change of the function for this table and what does it represent in this situation?
$45 per month; the initial amount of money in the account
−$190 per month; the amount of money withdrawn per month
$190 per month; the initial amount of money in the account
−$45 per month; the amount of money withdrawn per month