To generalize the above example,

Let

is T or .06. 2.- and

and

.Then

and

p the principal, or sum lent..

r the rate per annum, which in the above case

t = the time for which it was lent,

and p+trp the amount.

Hence we have

p+trpa

That is, multiply the rate by the time, add 1 to the product, and divide the amount by this, and it will give the principal.

In the above example the rate is .06, which, multiplied by 3 (the time), gives .18, and one added to this makes 1.18; 472 divided by 1.18 gives 400, as before.

Apply this rule to the following example.

A man owes $275, due two years and three months hence, without interest. What ought he to pay now, supposing money to be worth 4 per cent. per annum?

N. B. 2 years and 3 months is 21 years.

See Arithmetic, page 84.

Ans. $24978875

The learner may now make rules for the following purposes: 14. The interest, time, and rate being given, to find the principal.

15. The amount, time, and principal being given, to find the

rate.

16. The amount, principal, and rate given, to find the time.

17. A man agreed to carry 20 (or a) earthen vessels to a certain place, on this condition; that for every one delivered safe he should receive S (or b) cents, and for every one he broke, he should forfeit 12 (or c) cents; he received 100 (or d) How many did he break?

cents.

Let

Then 20

the number unbroken.

x or a — x — the number broken.

For every one unbroken he was to receive 8 or b cents, these will amount to 8 x or b x ; and for every one broken he was to pay back 12 or c cents, these will amount to 240 12 x cents, or a c-cx; this must be subtracted from the former. 12x, subtracted from 8 x, is

240

Also ca

S―240 + 12 x, or 20 x

cx subtracted from b

X,

is b x

240.

ca+cx; for the quantity cac x is not so large as ca, by the quantity ex, therefore when we subtract ca from b x, we subtract too much by cx, and in order to obtain a correct result, it is necessary to add cx.

Particular Ans. 17 unbroken, and 3 broken.

The propriety of this answer may be shown as follows: If he had broken the whole 20 (or a) he must have paid 12 × 20 =240 (or a c) cents; but instead of paying this, he received 100 (or d) cents. Now the difference to him between paying 240 and receiving 100 is evidently 340, (or da c) cents. The difference for each vessel between paying 12 and receiving 8 is 20 (or b+c) cents; 340 divided by 20 gives 17, the an

swer.

The above is a good illustration of positive and negative quantities, or quantities affected with the signs and The sign+ is placed before the quantities, which he is to receive, and the sign before his losses. We observed that the dif ference between receiving 100 and losing 240 is 340, that it, the difference between + 100 and 240 is 340, or their sum. Also the difference between + d and ac is d+ac. So the

difference between +8 and -12 is 20, or between +b and -cis b+c.

Hence it follows, that to subtract a quantity which has the sign we must give it the opposite sign, that is, it must be added.

X. The learner, by this time, must have some idea of the use of letters, or general symbols, in algebraic reasoning. It has been already observed that, strictly speaking, we cannot actually perform the four fundamental operations on these quantities, as we do in arithmetic; yet in expressing these operations, it is frequently necessary to perform operations so analogous to them, that they may with propriety be called by the same names. Most of these have already been explained; but in order to impress them more firmly on the mind of the learner, they will be briefly recapitulated, and some others explained which could not be introduced before.

Note. Algebraic quantities, which consist of only one term, are called simple quantities, as + 2 a, -3 ab, &c.; quantities which consist of two terms are called binomials, as a+b, a—b, 3b+2c, &c.; those which consist of three terms are called trinomials; and in general those which consist of many terms are called polynomials.

Simple Quantities.

. The addition of simple quantitics is performed by writing them after each other with the sign + between them. To express that a is added to b, we write a+b. To express that a, b, c, d, and e are added together, we write a+b+c+d+e. It is evidently unimportant which term is written first, for 358 is the same as 5 + 3 + 8, or as 8 + 5 + 3. So a+b+c has the same value as b+ a + c.

C

It has been remarked (Art. I.) that x + x + x may be written 3 r. This is multiplication; and it arises, as was observed in Arithmetic, Art. III., from the successive addition of the same quantity. 3 r, it appears, signifies 3 times the quantity x, that is, a multiplied by 3. So b + i + b + b + b may be written 5 b. In the same manner, if x is to be repeated, any number of times, for instance as many times as there are units in a, we write a x, which signifies a times x, or x multiplied by a.

N. B. The learner should constantly bear in mind that the letters, a, b, c, &c. may be used to represent any known number; or they may be used indefinitely, and any number may afterwards be substituted in their place.

Again, ab +ab+ab may be written 3 a b, that is, 3 times the product a b; also c times the product a b may be written cab. It may be remarked that a times b is the same as 6 times a; for a times 1 is a, and a times 6 must be b times as much, that is, b times a. Hence the product of a and b may be written either ab or ba. In the same manner it may be shown that the product cab is the same as a b c. Suppose a = 3, b = 5, and c = 2, then a b c = 3 × 5 × 2, and cab = 2 × 3 × 5. In fact it has been shown, in Arith. Art. IV., that when a product is to consist of several factors, it is not important in what order those factors are multiplied together. The product of a, b, c, d, e, and f, is written abc def. They may be written in any other order, as a cd bef, or f bedca, but it is generally more convenient to write them in the order they stand in the alpl.abet.

Let it be required to multiply 3ab by 2 cd. The product is 6abcd; for d times 3 a b is 3 ab d, but c d times 3 a b is c times as much, or 3 a b c d, and 2 c d times 3 a b must be twice as much as the latter, that is, 6 abcd.

Hence, the product of any two or more simple quantitus must consist of all the letters of each quantity, and the product of the coefficients of the quantities.

N. B. Though the product of literal quantities is expressed by writing them together without the sign of multiplication, the same cannot be done with figures, because their value depends upon the place in which they stand. 3ab multiplied by 2 cd, for instance, cannot be written 32 a b c d. If it is required to express the multiplication of the figures as well as of the letters, they must be written 3 ab 2dc, or 3 × 2 abcd, or 3.2 a b cd. That is, the figures must either be separated by the letters or by the sign of multiplication.

It frequently happens, as in some of the above examples, that a quantity is multiplied several times by itself, or enters several times as a factor into a product; as 3 a aabb, into which a enters three times and b twice as a factor. In cases like this the expression may be very much abridged by writing it thus, 3 a3 b. That is, by placing a figure a little above the letter, and a little to the right of it, to show how many times that letter is a factor in the product. The figure 3 over the a shows, that a enters three times as a factor; and the 2 over the b, that b enters twice as a factor, and the expression is to be understood the same as 3 a aabb. The figure written over the letter in this manner is called the index or exponent of that letter. The exponent affects no letter except the one over which it is written.

Care must be taken not to confound exponents with coefficients. The quantities 3 a and a3 have very different values Suppose a = 4, then 3 a 12; whereas a3 = 4 × 4 × 4 - 64 In the product 3a b' suppose a 4 and b = 5, then =

3 a3 b2 3 X 4 X 4 X4 X5 X 5 = 4800.

The expression a' is called the second power of a, a3 is called the third power, a' the fourth power, &c. To preserve a uniformity, a, without an exponent, is considered the same as a', which is called the first power of a.*

Figures as well as letters may have exponents. The first power of 3 is written

the third power

the fourth power the fifth power

34 = 3 × 3 × 3 × 3 = 81

35 3 X 3 X 3 x 3 x 3 = 243.

The multiplication of quantities in which some of the factors are above the first power, is performed in the same manner as in other cases, by writing the letters of both quantities together,

* In most treatises on algebra a2 is called the square of a, and a3 the cube of a. The terms square and cube were borrowed from geometry, but as they are not only inappropriate, but convey ideas very foreign to the present subject, it has been thought best to discard them entirely.