A model for the elevation above sea level of a tract of farmland is 
feet above sea level, where e is the distance in miles east of the western fence and n is the distance in miles north of the southern fence. One critical point is 
Use the Determinant Test to classify it as a maximum, minimum, or saddle point.
Definitions:
APR
Annual Percentage Rate, representing the yearly interest rate charged on borrowed money.
Total Payments
The cumulative amount of money paid out or expected to be paid out over the duration of an agreement or loan.
Present Value Factor
A factor used to calculate the present value of a future amount, reflecting the time value of money.
Annuities
Financial products that provide regular payments over a set period of time, often used as an income stream for retirees.
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