Marc currently pays x dollars per year for auto insurance. Next year, his rates are going to

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Marc currently pays x dollars per year for auto insurance. Next year, his rates are going to increase 15%. If he completes a defensive driving course, the insurance company will lower his rate by d dollars.
a. Express his annual premium for next year algebraically if he completes the course.
b. Express his semi-annual premium for next year algebraically if he does not complete the course.

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