Basic Concepts of Algebra The Real-Number System Integer Exponents, Scientific Notation, and Order of Operations Addition, Subtraction, and Multiplication of Polynomials Factoring Rational Expressions Radical Notation and Rational Exponents The Basics of Equation Solving SUMMARY AND REVIEW TEST R A P P L I C A T I O N G ina wants to establish a college fund for her newborn daughter that will have accumulated $120,000 at the end of 18 yr. If she can count on an interest rate of 6%, compounded monthly, how much should she deposit each month to accomplish this? This problem appears as Exercise.