Factor the trinomial. If the trinomial cannot be factored over the integers then write that it is prime. 
Definitions:
Discounting
The process of determining the present value of future cash flows by applying a particular interest rate; often used in investment and finance.
Present Value
The value today of a future amount of money or sequence of cash inflows, accounting for a defined rate of return.
Interest Rate
The percentage of a sum of money charged for its use, serving as the cost of borrowing or the reward for saving.
Time Preference
The degree to which individuals prioritize current goods and services over future ones.
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