0.98=1-0.02 0.98X3.2=(1-0.02)x 3.2 = 3.2-0.064=3.136
0.98*3.2=(1-0.02)*3.2=3.2-0.64=2.56
=(1-0.02)x3.2=3.2-0.02x3.2=3.136