The balance of Jim’s account on the first day of the month for the first six months of 2013 is given. Identify the months when the ratio was less than the balance in January.

(x3 + 6x2 + 2x - 6) • (x - 1)

step-by-step explanation:

polynomial long division :

3.2     polynomial long division

dividing :   x4+5x3-4x2-8x+6

                              ("dividend")

by         :     x-1     ("divisor")

dividend     x4   +   5x3   -   4x2   -   8x   +   6

- divisor   * x3     x4   -   x3            

remainder         6x3   -   4x2   -   8x   +   6

- divisor   * 6x2         6x3   -   6x2        

remainder             2x2   -   8x   +   6

- divisor   * 2x1             2x2   -   2x    

remainder               -   6x   +   6

- divisor   * -6x0               -   6x   +   6

remainder                     0

quotient :   x3+6x2+2x-6   remainder:   0