a woman decides to purchase a $23,800 car and makes a down payment of $3,500. she arranges to borrow the remainder from a bank that will charge her 4.5% interest. she will make monthly payments for 4 years. a. find her monthly payment amount.

Answers

Answer 1

The monthly payment amount a woman has to pay for the car is $462.91.

Here we have to find the monthly payment amount.

The cost of car = $23,800

Down payment = $3,500

Rate(r) = 4.5%

time(t) = 4 years

Periodic interest(i) = 0.045/12

Formula to calculate monthly payment:

A = P i( 1 + i[tex])^{n}[/tex] / ( 1 + i[tex])^{n}[/tex] - 1

Loan amount = 23800 - 3500

                      = $ 20300

A = 20300 ( 0.045 /12 ( 1 + 0.045/12[tex])^{48}[/tex])/ (1 + 0.045/12[tex])^{48}[/tex] - 1

  = 20300× 0.004488 / 0.196814

  = 462.91

Therefore the monthly payment is $462.91.

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Related Questions

if θ measures 0 radians, what is the measure of the angle with an initial ray in the 3 o'clock position and a terminal ray passing through the car?

Answers

The measure of the angle with an initial ray in the 3 o'clock position and a terminal ray passing through the car is 0 or origin.

Terminal ray:

In geometry, terminal ray refers the ray in the terminal position, after the rotation, is called the terminal side of the angle.

Given,

Here we need to find if θ measures 0 radians, then the measure of the angle with an initial ray in the 3 o'clock position and a terminal ray passing through the car.

While we looking into the given question,

the value of θ = 0 radians

And the Slope of terminal ray is calculated by using the formula,

=> tan θ

Then Slope = tan 0

Now, by using radians calculator,

=> tan 0 = 0

Therefore, the slope of the terminal ray is  0 which means the origin of the line.

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Tanya bought a cake for $18 and cookies for $1.50 each. If she spent $27.00, how many cookies did she buy?

Answers

Answer:  18 cookies

Step-by-step explanation:

27 divided by 1.50 = 18

Answer:

Step-by-step explanation:

6 cookies

a family is traveling due west on a road that passes a famous landmark. at a given time the bearing to the landmark is n 62° w, and after the family travels 9 miles farther the bearing is n 38° w. what is the closest the family will come to the landmark while on the road? (round your answer to two decimal places.) mi

Answers

The closest distance the family will come to the landmark while on the road is 12.03 miles.

Here, the situation represented in the question can be depicted as shown in the image below.

The family moves from F1 to F2 as the angle changes from 62 to 38.

Now, using trigonometric ratios in the smaller triangle we have-

Cot 62 = X/Y

X = Y Cot 62

Similarly, Cot 38 = (X + 9)/ Y

Substituting the value of X in the above equation we get-

Y Cot 38 = (Y Cot 62 + 9)

Y Cot 38 - Y Cot 62  = 9

Y(Cot 38 - Cot 62) = 9

Y = 9/ (Cot 38 - Cot 62)

Y = 9/ (1.2799 - 0.5317)

Y = 9/ 0.7482

Y = 12.028

Thus, the closest distance the family will come to the landmark while on the road is 12.03 miles.

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the number 120 is increased by 50%, and the result is then decreased by 30% to give the number x. what is the value of x?

Answers

Answer: x = 126

Step-by-step explanation:

We know that 50% of 120 is 60. So, to increase 120 by 50%, we add 60. This gets us 180. Next, we find 30% of 180. This is 54. So, we subtract 54 from 180. So, x = 126

obtain the three best subsets according to the c p criterion, whicbi:of these subset models appears to have the smallest bias?

Answers

I may utilize the Cp Criterion, AICp, and SBCp to aid in choosing the optimal model. All of them impose sanctions for introducing predictions.

What is subset regression model?

Best subsets regression is a model-building regression analysis that is exploratory. It compares every model that might be built using a specified set of predictors.

There are Cp Criterion, AICp and SBCp that I can use to help select the best model. They all place penalties for adding predictors.

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how to evaluate 8.1 plus 7.9 when p=6 and r=7

Answers

The value of the expression will be;

⇒ 56.5

What is an expression?

Mathematical expression is defined as the collection of the numbers variables and functions by using operations like addition, subtraction, multiplication, and division.

Given that;

The expression is,

⇒ 8.1p + 7.9

And, The values are,

p = 6 and r = 7

Now,

Since, The expression is,

⇒ 8.1p + 7.9

Substitute p = 6, we get;

⇒ 8.1 × 6 + 7.9

⇒ 48.6 + 7.9

⇒ 56.5

Thus, The value of the expression will be;

⇒ 56.5

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last qustion i need so i need a right answer

Answers

The exponential equation of the logarithmic equation ㏑ (x² - 5 · x + 17) = 3 · x + 2 is x² - 5 · x + 17 = e³ˣ ⁺ ².

What is the exponential form of a logarithmic equation?

In this question we find that a logarithmic equation, in which we must eliminate the log operator must be eliminated by relationship between logarithmic and exponential equations, whose relationship is shown below:

Logarithm of an exponential equation

㏒ aˣ = x

Exponential up to an logarithmic equation

[tex]a^{\log x}[/tex] = x

Now, we proceed to eliminate the log operator by algebra properties and relationship between logarithmic and exponential equations:

㏑ (x² - 5 · x + 17) = 3 · x + 2

By using an "exp" operators, we get the following expression:

x² - 5 · x + 17 = e³ˣ ⁺ ²

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F(x)=3x
3
kx−5, and
x

1
x1 i a factor of
f
(
x
)
f(x), then what i the value of
k
k?

Answers

The function will have a value of 0 at x = 1. In that case, the variable "k" will have a value of 2.

What is function?

A mathematical phrase, rule, or law that establishes the link between an independent variable and a dependent variable (the dependent variable). In mathematics, functions exist everywhere, and they are crucial for constructing physical links in the sciences. A relation between a collection of inputs and outputs is known as a function. A function is, to put it simply, a connection between inputs in which each input is connected to precisely one output.

Given f(x) = 3x³ + kx – 5, and the factor of the given function is (x – 1).

If the factor (x – 1) is zero. Then the value of the function will be zero.

x – 1 = 0

x = 1

At x = 1, the value of the function will be zero. Then the value of the variable 'k' will be calculated as,

f(1) = 3(1)³ + k(1) – 5

0 = 3 + k – 5

k = 5 – 3

k = 2

The function's value will be 0 at x = 1. The variable "k" will then have a value of 2.

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a fisherman in a boat is drinking a cup of hot coffee. the large lake below his boat is full of cold water. which statement is an accurate comparison of the lake water and the coffee?(1 point)

Answers

A comparison of hot coffee and cold lake is, the heat from the coffee will be absorbed by the cold lake through convection method of heat transfer.

What is convection ?

Heat is transferred through the convection, which is basically large-scale movement of molecules inside gases and the liquids. Conduction is basically used to move heat from one of the object to the fluid initially, but fluid motion is all responsible for the bulk of the heat transfer.

Convection is a process by which heat is always transferred through fluids as a result of the material motion.It occurs as in both gases and the liquids.It could be forced or be natural.Bulk transfers of some of the given fluid are necessary.

Conservation of energy

The principle of conservation of the energy states that the total energy of an isolated system is always in conserved state.

Heat lost by all the hot coffee = Heat absorbed by all the cold lake

Heat transfer process

Heat from the coffee will all be absorbed by the cold lake through convection method of the heat transfer.

Thus, the comparison of hot coffee and the cold lake is, the heat from the coffee will all be absorbed by the cold lake through convection method of the heat transfer.

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Chris had bowling and hockey training on the 1 May. He has bowling training every 8 days and hockey training every 2 days. On what date will he have both training sessions again? answer quick pls

Answers

The date that Chris will have both training sessions again is May 9.

How to calculate the date?

In mathematics, a multiple simply means the product of any quantity. It should be noted that a multiple illustrate to the product of a number given.

In this situation, since Christ has bowling training every 8 days and hockey training every 2 days. The lowest common multiple for 2 and 8 is 8.

Therefore, the next date will be the addition of the day of the training and the number of days that are needed when the lowest common multiple was calculated. This will be illustrated thus:

= May 1 + 8 days

= May 9

The next training is May 9.

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two independent samples of sizes 40 and 50 are randomly selected from two populations to test the difference between the population means . the sampling distribution of the sample mean difference is:

Answers

The sampling distribution is t= 88 degrees of freedom.

To find the sampling distribution of the sample mean difference we need to do a two-sample t-test: equal variances.

When we do a two-sample t-test, we have to take into account the following assumptions:

1) the sample variances are normal.

2) the sample variances of both populations are equal.

Now, let the sample size be [tex]n_x[/tex] and [tex]n_y[/tex] respectively and the means be [tex]x^-[/tex] and [tex]y^-[/tex] respectively.

Now, we are assuming that the distribution of x and y are

[tex]x\sim N([/tex]mewx, [tex]\sigma x = \sigma[/tex])

[tex]y\sim N[/tex] (mewy, [tex]\sigma y = \sigma[/tex])

Accordingly, the system of hypothesis is defined by:

Null hypothesis: mewx=mewy

alternatively, it can also be mewx≠ mewy

Then, the random  sample t is distributed as [tex]t\sim t_n_x+ny-2[/tex] with the degrees of freedom given as df= [tex]n_x+n_y-2[/tex] =40+50-2= 88

So, in this case answer will be 88 degrees of freedom.

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Which 2 recycling plants have equivalent ratios of green bottles recycled in one day?

Recycling| Green bottles recycled|total recyled

A. ..............| .........12.............................| 135

B............... |......... 16............................ | 172

C............... | .........14............................ | 154

D.............. |.......... 18............................ | 198

Answers

Plants C and D have the same ratios of green bottles to total bottles recycled.

What is Ratio?

The ratio is defined as a relationship between two quantities, it is expressed as one divided by the other.

The table is given in the question,

As per the given question, the required solution would be as:

For plant A,

The ratio of green bottles to total bottles

⇒ 16/172 = 4/43

For plant B,

The ratio of green bottles to total bottles

⇒ 12/135 = 4/45

For plant C,

The ratio of green bottles to total bottles

⇒ 14/154 = 1/11

For plant D,

The ratio of green bottles to total bottles

⇒ 18/198 = 1/11

Thus, plants C and D have the same ratios of green bottles to total bottles recycled.

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The point A(6,-6) is rejected over the origin and it’s image is point B what is are coordinates of point B

Answers

The coordinates of point B is (-6, 6) if the point A(6,-6) is rejected over the origin and it’s image is point B

What is geometric transformation?

It is defined as the change in coordinates and the shape of the geometrical body. It is also referred to as a two-dimensional transformation. In the geometric transformation, changes in the geometry can be possible by rotation, translation, reflection, and glide translation.

It is given that:

Point A(6,-6) is reflected over the origin and it’s image is point B

The rule for transformation:

(x, y) --> (-x, -y)

(6, -6)  --> (-6, 6)

Thus, the coordinates of point B is (-6, 6) if the point A(6,-6) is rejected over the origin and it’s image is point B

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Find the Gradient of the line drawn below.

Answers

Answer:

3 ,0

Step-by-step explanation:

In vector calculus, the gradient of a scalar-valued differentiable function f of several variables is the vector field \nabla f whose value at a point p is the "direction and rate of fastest increase". Wikipedia

Answer:

1/3

Step-by-step explanation:

We need two easy-to-read points on grid intersections.

Look at the point on the y-axis. It is (0, 3).

Now go up to the right until you find the next easy-to-read point.

It is (3, 4) which is on a grid intersection.

gradient = run/rise

rise = distance in y (vertical distance)

run = distance in x (horizontal distance)

We start at (0, 3) and go to (4, 4) by going only vertically and horizontally.

From (0, 3), go 1 unit up. That is a rise of 1.

Then go 3 units right. That is a run of 3.

gradient = rise/run = 1/3

Answer: 1/3

A single toss of a fair coin results in either 0 or 1 head, each with probability 1/2. Define H= number of
heads obtained on a single toss. The mean of His My = 0.5 and the standard deviation of His oH = 0.5.
Suppose you toss a fair coin four times. Define T= total number of heads obtained. Find the mean and standard deviation of T.

Answers

Answer:

µT = 2 (The mean of T is 2)

σT = 1 (The standard deviation of T is 1)

Step-by-step explanation:

This involves the transformation and combination of random variables. We know that the coin flips are independent as the knowledge of one coin flip will not affect the next or another coin flip.

The question has a transformation of H by essentially multiplying it by 4 that, then turns it into T. Knowing that we can multiply the mean of 0.5 by 4 with rules of a linear transformation when multiplying each observation by a positive constant. With that, we get the mean of T to equal 2.

Since we know it is independent, we can solve for standard deviation. To do so, we have to add 0.5 squared 4 times and square root it. That will look like this: Squareroot(0.5^2+0.5^2+0.5^2+0.5^2). That will give you 1 as the standard deviation for T.

solve the simultaneous equation

5x-4y=19

x+2y=8

Answers

The answer is included in the image hope this helps

(remember to use substitution)

Define T in L(C2) by T(w,z)=(−z,w).
Find the generalized eigenspaces corresponding to the distinct eigenvalues of T.
I believe that once I have the eigenvalues, I know how to find the eigenspaces, but I'm not sure I'm looking for the eigenvalues correctly.
I know that if the eigenvalues are a,b corresponding to (w,0) and (0,z) respectively, then (ab)=1, since a(w)=−z implies ab(−z)=−z. But I think my whole approach to this is wrong and that I'm missing some very elementary idea.

Answers

T is the linear transformation described by T(w,z) in L(C2). This indicates that the linear transformation T changes two-dimensional vectors of the type (w,z) to (-z,w).

To get T's eigenvalues, solve the equation T(v) = v, where is the eigenvalue and v is the eigenvector. By solving this equation, we discover that T's eigenvalues are λ1 = -1 and λ2 = 1.

For each eigenvalue, the associated eigenspaces are the subspaces of C2 that are spanned by the eigenvectors of T. The eigenspace is the subspace covered by the eigenvector λ1= -1 is (1,0). The eigenspace is the subspace spanned by the eigenvector λ2= 1 is (0,1).

As a result, the subspaces covered by (1,0) and (1,1) are the generalized eigenspaces corresponding to the different eigenvalues of T. (0,1).

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Alejandro has a computer support business. He estimates that the cost to run his business can be represented by X = 48 x + 500, where x is the number of customers. He also estimates that his income can be represented by R = 65 x - 145. How many customers he will need in order to break even?

Answers

The number of customers Alejandro will need in order to break even is 38 customers.

How to find the number of customers to break even?

Given data:

Cost of business = 48 x + 500

Income = R = 65 x - 145

Let x is the number of customers.

Income equation  

R= 65x- 145

Substitute 48x + 500  for y

48x + 500 = 65x -145

Substract 48x from both side

500 = 17x - 145

Add 145 to each side

645 = 17x

Divide both side by 17x

x =645 /17

x = 37.9

x = 38 customers (Approximately)

Therefore the number of customers is 38 customers.

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Put the steps in order that are used to solve the following systems of equations by substitution.
-7x - 2y
2y
= x= 2 (-4) +11 → x = 3
x
-
=
= - 13
11
= x - 2y = 11 → x = 2y + 11
=y=-4
= -7 (2y + 11) - 2y = -13
= (3,-4)
= -16y = 64
= -16y - 77 = -13
= -14y-77-2y = -13

Answers

Answer:

yes I will get suspicious and then

Step-by-step explanation:

he was in a meeting

I need HELPPP!!!!! Pls

Answers

This was written using the associative property.
(7+5) +2 equals 12+2 which equals 14.
7 +(5+2) equals 7+7 which equals 14.

assume a simple model with only two countries: the united states and germany, and two goods: beer and motorcycles. suppose that the opportunity cost for the united states to produce 1 beer is 3 motorcycles and the opportunity cost for germany to produce 1 beer is 1/2 motorcycles. which of the following statements is true

Answers

The statement opportunity cost for Germany to produce 1 beer is 1/2 motorcycles is true.

The German economy would be better off if it produced beer and traded motorcycles with the US.

Germans would benefit from specializing in producing beer and engaging in trade with the United States since their opportunity cost is lower (1/2 is less than 3).

A country is said to be having a comparative advantage in producing a good if it can produce it at a lower opportunity cost. Germany has a lower opportunity cost in producing beer so it has a comparative advantage in making beer.

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assume that blood pressure readings are normally distributed with a mean of 116 and a standard deviation of 4.8. if 36 people are randomly selected, find the probability that their mean blood pressure will be less than 118.

Answers

The probability that mean blood pressure less than 118 is 0.9938.

We have given that,

blood pressure are normally distributed mean of 116

i.e. μ = 116

standard deviation σ = 4.8

n = 36

and we have to find probability that their mean blood pressure will be less than 118.

The formula to find the above probability is,

P(Z=X) = (x - μ) / (σ/[tex]\sqrt{n}[/tex] )

⇒ P(Z < 118) = (118 - 116) / 4.8/[tex]\sqrt{36}[/tex]

                   = 2 / (4.8/6)

                   = 2/0.8

  P(Z < 118) = 2.5

From the z-table the value of z at 2.5 is 0.9938,

⇒ P(Z < 118) = 0.9938.

Therefore the probability that their mean blood pressure will be less than 118 is 0.09938.

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alent to 5(2x-1)+2(x+4)​

Answers

Answer:

12x+3

Step-by-step explanation:

distribute the 5 to both the 2x and -1

10x-5

do the same with the the 2. Distribute the 2 to the x and to the 4.

2x+8

10x-5+2x+8

add like terms: the 10x and the 2x are like terms and the -5 and 8 are like terms

12x+3 : the answer

What is the simplified version of the expression

(x^1/2 y^1/9 )^3

Answers

The simplified version of the expression (x¹/² y¹/⁹)³ is (x³/² y¹/³)

How to determine the simplified expression?

From the question, we have the following parameters that can be used in our computation:

(x^1/2 y^1/9 )^3

Rewrite the expression properly

So, we have

(x¹/² y¹/⁹)³

Open the brackets

This gives

(x¹/² y¹/⁹)³ = (x¹/²)³ * (y¹/⁹)³

Evaluate the expression in brackets

(x¹/² y¹/⁹)³ =(x³/² y¹/³)

Hence, the solution is (x³/² y¹/³)

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Given h(x) = 4x - 4, solve for x when h(x) = 0.

Answers

The value x in the equation h(x) = 4x-4 is, x =1

What is polynomial?

Polynomial functions are functions of a single independent variable.

To solve for x

Since h(x) =0

substitute h(x) into equation  

h(x) = 4x - 4

0=4x - 4

Add 4 to both sides

4x = 4

Divide both side by 4

4x/4 = 4/4

x = 1

therefore, the value of X= 1

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I need help on this it’s Unit 3: Parallel & Perpendicular Lines
Homework 7: Point-Slope Form

Answers

The equation for given Parallel & Perpendicular Lines points and slope and given below.

what is parallel and perpendicular lines?

In a plane, parallel lines are those whose distances between them are constant. Parallel lines do not cross. Lines that cross at a right angle of 90 degrees are said to be perpendicular.  

The equation of a line in slope-intercept form y = mx + c

1. substitute x = 0, y = 3 and m = -2 in equation

3 = -2*0 + c

c = 3, substitute in equation

Then y = -2x + 3

2. substitute x = -3 , y = - 5 and m = -( 3/5 ) in equation

-5 =  -( 3/5 )*(-3 ) + c

c = - 34/5 , substitute in equation

Then  5y = -3x - 34

3. substitute x = -8 , y = 6 and m = -(1/4) in equation

6 =  -(1/4)*(-8 )+ c

c = 8, substitute in equation

Then y = -2x + 8

The equation of line passing through two points is m = ( y2 - y1) / ( x2 - x1)

4. The given points is ( 1, 3) and  ( -3, -5) and substitute in above equation.

Then m = 2

substitute m = 2 and ( 1, 3) in equation y = mx + c

Then  c = 1

substitute m = 2 and c = 1 in equation of y = mx + c

Then the equation is y = 2x + 1

5. The given points is ( 1, 4) and  ( 6, -1 ) and substitute in above equation.

Then m = - (5/4)

substitute m = - (5/4) and ( 1, 4) in equation y = mx + c

Then  c = 21/4

substitute  m = - (5/4) and c = 21/4 in equation of y = mx + c

Then the equation is  4y = -5x + 21

6. The given points is ( -12,14)  and  ( 6, -1 ) and substitute in above equation.

Then m = - (5/6)

substitute m = - (5/6) and( -12,14) in equation y = mx + c

Then  c = 4

substitute  m = - (5/6) and  c = 4 in equation of y = mx + c

Then the equation is y = - ( 5/6 ) + 4

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What does -3+x-1/3x+4 equal

Answers

Answer:

[tex]\frac{2x+3}{3}[/tex]

Step-by-step explanation:1. Combine multiplied terms into a single fraction

-3 + x - [tex]\frac{1}{3}[/tex]x + 4

-3 + x + [tex]\frac{-x}{3}[/tex] + 4

2. Add the numbers

-3 + x + [tex]\frac{-x}{3}[/tex] + 4

1 + x + [tex]\frac{-x}{3}[/tex]

3. Find common denominator

1 + x + [tex]\frac{-x}{3}[/tex]

[tex]\frac{3}{3}[/tex] + [tex]\frac{3x}{3}[/tex] + [tex]\frac{-x}{3}[/tex]

4. Combine fractions with common denominator

[tex]\frac{3}{3}[/tex] + [tex]\frac{3x}{3}[/tex] +[tex]\frac{-x}{3}[/tex]

[tex]\frac{3 + 3x - x}{3}[/tex]

5. Combine like terms

[tex]\frac{3 + 3x - x}{3}[/tex]

[tex]\frac{3 + 2x}{3}[/tex]

6. Rearrange Terms

[tex]\frac{3 + 2x}{3}[/tex]

[tex]\frac{2x+3}{3}[/tex]

Solution:

[tex]\frac{2x+3}{3}[/tex]

I hope my answer helped you! If you need more information or help, comment down below and I will be sure to respond if I am online. Have a wonderful rest of your day!

Find an equation for the line that passes through the points (-5,1) and (1,3) .

Answers

The equation of the line that passes through the points (-5,1) and (1,3) is x - 3y = -8

Determining the equation of a line that passes through a set of points

From  the question, we are to determine the equation of the line that passes through the given points.

The given points are (-5, 1) and (1, 3)

Using the formula,

(y - y₁) / (x - x₁) = (y₂ - y₁) / (x₂ - x₁)

Then,

(y - 1) / (x - (-5)) = (3 - 1) / (1 - (-5))

Simplify

(y - 1) / (x + 5) = 2 / (1 + 5)

(y - 1) / (x + 5) = 2 / 6

(y - 1) / (x + 5) = 1/3
Cross multiply

3(y - 1) = 1(x + 5)

3y - 3 = x + 5

x + 5 = 3y -3

x - 3y = -3 - 5

x - 3y = -8

Hence, the equation is x - 3y = -8

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There is a group of students were given a spelling test. The table shows their marks. TABLE: Marks: 6,7,8,9,10 Frequency:5,4,7,10,4. What is the mean mark of the group?

Answers

The mean mark of the group would be 8.

Used the concept of mean that states,

Mathematicians find the mean by adding up all the numbers in a data collection, then dividing that total by the number of numbers.

Given that,

There is a group of students who were given a spelling test.

The table shows their marks.

By dividing the total number of students by the sum of each mark's frequency and each mark, you can determine the group's mean grade:

[tex]\text { Mean Mark } = [ (6 \times 5) + (7 \times 4) + (8 \times 7) + (9 \times 10) + (10 \times 4) ] \div30[/tex]

                    [tex]= [ 30 + 28 + 56 + 90 + 40 ] \div 30[/tex]

                    [tex]= 244 \div 30[/tex]

                    [tex]= 8.1333333333...[/tex]

                    [tex]= 8 (\text{ nearest whole number}})[/tex]

Therefore, the value of the mean is 8.

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[tex]sin^2x=\frac{secx-cosx}{secx}[/tex]

Answers

There are three commonly used trigonometric identities.

Sin x = 1/ cosec x

Cos x = 1/ sec x

Tan x = 1/ cot x or sin x / cos x

Cot x = cos x / sin x

sin²x = (sec x - cos x) / sec x is,

sin²x + cos²x = 1

(proved)

What are trigonometric identities?

There are three commonly used trigonometric identities.

Sin x = 1/ cosec x

Cos x = 1/ sec x

Tan x = 1/ cot x or sin x / cos x

Cot x = cos x / sin x

We have,

sin²x = (sec x - cos x) / sec x

We will prove that,

sin²x + cos²x = 1

sec x = 1/cos x

Now,

sec x - cos x

= 1/cos x - cos x

= (1 - cos²x) / cos x

Now,

sin²x = (1 - cos²x) / [(cos x) x 1/cos x]

sin²x = 1 - cos²x

sin²x + cos²x = 1

Proved

Thus,

sin²x = (sec x - cos x) / sec x is,

sin²x + cos²x = 1

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