Every year he owes Drake $3.50 on top of whatever he already owed
After the first year, he owes Linda $103 + $3.09. After the 2nd year, he owes $3.18 and the 3rd year is 3.28. Every year Linda will go up one cent more. After one year it is 9 cents added and then 10 cents added so the next year it will be 11 cents added.
After 30 years Bill will owe Drake 10,867.50
103.50*3.50*30 = 10,867.50
After 30 years Bill owes Linda 10,691.40
103*3.46*30 = 10,691.40
After 30 years Bill owes Drake more money so 4th choice
