1. **State the problem:** Adam borrowed 5600 dollars from the bank, which charges 4.2% simple interest per year. We want to find the equation that represents the total amount of money, $x$, Adam will owe after one year if no payments are made. 2. **Recall the simple interest formula:** $$\text{Interest} = P \times r \times t$$ where $P$ is the principal (initial amount), $r$ is the annual interest rate (in decimal), and $t$ is the time in years. 3. **Total amount owed:** $$x = P + \text{Interest} = P + P \times r \times t = P(1 + r t)$$ 4. **Plug in the values:** - $P = 5600$ - $r = 4.2\% = 0.042$ - $t = 1$ year So, $$x = 5600 + 5600 \times 0.042 \times 1$$ 5. **Interpretation:** This matches the first option: $$x = 5600 + 5600(0.042)(1)$$ **Final answer:** $$x = 5600 + 5600(0.042)(1)$$