Rates of change, vectors, data and money

Grade 12 Math

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Rates of Change

  • L1
    Lesson 1
    Reading the rate
    which number is a rate, which is an amount

    Grade 12 mathematics is, more than anything, the study of CHANGE — and every measure of change in this course is a quotient.

  • L2
    Lesson 2
    Slope is a rate of change
    the secant between two readings, computed

    Mark two readings of a changing quantity, join them with a straight line, and that line is the secant. Its slope is the average rate of change over the interval between them — same number, three names, depending on who is in the room.

    The formula in this lesson
    m=y2−y1x2−x1m = \dfrac{y_2 - y_1}{x_2 - x_1}
  • L3
    Lesson 3
    Average velocity
    The trapezoid under the velocity line

    Whichever of the four the question leaves blank is the one you solve for. Where it comes from is worth more than the formula.

    The formula in this lesson
    d=v0+v2 td = \dfrac{v_0 + v}{2}\,t
  • L4
    Lesson 4
    Velocity as the derivative
    The rate of the rate

    Velocity is the rate of change of position.

    The formula in this lesson
    v=v0+atv = v_0 + at
  • L5
    Lesson 5
    The position function
    Where the half comes from

    Notice which letter is absent: the final velocity. This is the relation for when you know how the motion BEGAN and how hard it was pushed, and want to know how far it got.

    The formula in this lesson
    d=v0t+12at2d = v_0 t + \tfrac{1}{2}at^2
  • L6
    Lesson 6
    The no-time shortcut
    When the clock is missing

    Sometimes nobody timed anything. You have a starting speed, a finishing speed, an acceleration and a distance — and not one second between them.

    The formula in this lesson
    v2=v02+2adv^2 = v_0^2 + 2ad
  • ★
    Boss lesson
    The Final Descent
    the boss · no calculator · one runaway cart, line by line

    No calculator, and every value is chosen to fit in your head. One cart, one ramp, and every answer feeds the next: the acceleration from the sensor, then the speed at the bottom, then the length of the ramp, then the total time of the run.

    The formula in this lesson
    v=v0+atv = v_0 + at

Optimization & the Vertex

  • L8
    Lesson 8
    Reading the parabola
    which coefficient is which, and where the optimum lives

    In Grade 11 a parabola was a shape to describe. This year it is an objective function: something a business, an engineer or a physicist wants pushed as high or as low as it will go.

  • L9
    Lesson 9
    Finding the turning point
    The input that optimizes

    That is worth knowing now, because it means this formula is not a trick from algebra class; it is calculus already solved for you.

    The formula in this lesson
    h=−b2ah = -\dfrac{b}{2a}
  • L10
    Lesson 10
    The peak value
    What the optimum is actually worth

    Knowing WHEN a business peaks is half a mark.

    The formula in this lesson
    k=c−b24ak = c - \dfrac{b^2}{4a}
  • L11
    Lesson 11
    Roots and the discriminant
    b² − 4ac decides how many answers exist

    The vertex says where a model is best. The roots say where it is worth zero — for a profit model, the two break-even outputs, with profit living strictly between them.

    The formulas in this lesson
    Δ=b2−4ac\Delta = b^2 - 4ac,x=−b±b2−4ac2ax = \dfrac{-b \pm \sqrt{b^2 - 4ac}}{2a}
  • L12
    Lesson 12
    What the roots whisper
    sum and product of roots, without solving a thing

    You can interrogate a quadratic's roots without ever finding them.

    The formulas in this lesson
    S=−baS = -\dfrac{b}{a},P=caP = \dfrac{c}{a},h=r1+r22h = \dfrac{r_1 + r_2}{2},k=(b2)2k = \left(\tfrac{b}{2}\right)^{2}
  • L13
    Lesson 13
    The break-even point
    Optimization in business clothes

    Not every optimization problem is a parabola. A firm's costs split in two, and the split is the whole idea. Fixed cost F — rent, insurance, salaries — is owed in dollars each period whether or not a single unit is made.

    The formula in this lesson
    Q=Fp−vQ = \dfrac{F}{p - v}
  • ★
    Boss lesson
    The Golden Vertex
    the boss · no calculator · launch it, peak it, land it

    Write each line down: one early slip rides the parabola all the way into the water.

    The formula in this lesson
    h=−b2ah = -\dfrac{b}{2a}

Vectors

  • L15
    Lesson 15
    Reading the vector
    magnitude, component or angle — which is which

    A number alone is a scalar: 40 km/h, 12 kg, three coffees. A vector carries a second fact — which way — and we draw it as an arrow.

  • L16
    Lesson 16
    How long is the arrow
    |v| = √(vₓ² + v_y²), asked every way

    Walk 3 km east, then 4 km north.

    The formula in this lesson
    ∣v⃗∣=vx2+vy2|\vec{v}| = \sqrt{v_x^2 + v_y^2}
  • L17
    Lesson 17
    Casting the shadows
    Resolve the vector

    Last lesson built the arrow from its shadows.

    The formulas in this lesson
    vy=∣v⃗∣sin⁡θv_y = |\vec{v}|\sin\theta,vx=∣v⃗∣cos⁡θv_x = |\vec{v}|\cos\theta
  • L18
    Lesson 18
    The direction angle
    Which way it points

    Here is the trap that costs whole marks.

    The formulas in this lesson
    θ=tan⁡−1(vyvx)\theta = \tan^{-1}\left(\dfrac{v_y}{v_x}\right),tan⁡θ=oa\tan\theta = \dfrac{o}{a}
  • L19
    Lesson 19
    Two forces, one resultant
    Adding at an angle

    Two vectors add head to tail: slide the second one's tail onto the first one's head, and the resultant is the arrow from the very start to the very end.

    The formula in this lesson
    R=A2+B2+2ABcos⁡θR = \sqrt{A^2 + B^2 + 2AB\cos\theta}
  • L20
    Lesson 20
    The dot product
    a·b two ways — components, or lengths and the angle

    Two vectors, and the answer is a plain number with no direction at all — which is why it is also called the scalar product.

    The formulas in this lesson
    a⃗⋅b⃗=axbx+ayby\vec{a}\cdot\vec{b} = a_x b_x + a_y b_y,a⃗⋅b⃗=∣a⃗∣ ∣b⃗∣cos⁡θ\vec{a}\cdot\vec{b} = |\vec{a}|\,|\vec{b}|\cos\theta
  • L21
    Lesson 21
    The angle between
    Rearranged for the angle

    Three ingredients, and this lesson makes you cook all three: the dot product on top, and BOTH magnitudes multiplied underneath.

    The formula in this lesson
    θ=cos⁡−1(a⃗⋅b⃗∣a⃗∣ ∣b⃗∣)\theta = \cos^{-1}\left(\dfrac{\vec{a}\cdot\vec{b}}{|\vec{a}|\,|\vec{b}|}\right)
  • L22
    Lesson 22
    The cross product and area
    The parallelogram it sweeps

    The dot product asks how much two arrows AGREE.

    The formulas in this lesson
    ∣a⃗×b⃗∣=∣a⃗∣ ∣b⃗∣sin⁡θ|\vec{a}\times\vec{b}| = |\vec{a}|\,|\vec{b}|\sin\theta,A=∣axby−aybx∣A = \left|a_x b_y - a_y b_x\right|,A=12∣axby−aybx∣A = \tfrac{1}{2}\left|a_x b_y - a_y b_x\right|
  • L23
    Lesson 23
    Work is a dot product
    Only the parallel part pushes

    Push a sled with a rope angled up at the shoulder and part of your pull lifts rather than drags.

    The formula in this lesson
    W=Fxdx+FydyW = F_x d_x + F_y d_y
  • ★
    Boss lesson
    The River Crossing
    the boss · no calculator · current, heading and the true track

    No calculator, and every value is pinned so it fits in your head.

    The formula in this lesson
    ∣v⃗∣=vx2+vy2|\vec{v}| = \sqrt{v_x^2 + v_y^2}

Counting & Probability

  • L25
    Lesson 25
    Reading the odds
    probability, odds or a count — which is which

    Nothing in this chapter carries a unit, so the usual unit check has nothing to grab. Its replacement is the range check, and it is just as absolute.

  • L26
    Lesson 26
    Favourable over total
    P = f / n, and the other side of it

    Letter by letter: f is the number of favourable outcomes, the ones that count as a success; n is the number of all equally likely outcomes, winners included; and P is the resulting chance, a naked ratio with no unit attached.

    The formulas in this lesson
    P=fnP = \dfrac{f}{n},P(Ac)=1−P(A)P(A^{c}) = 1 - P(A)
  • L27
    Lesson 27
    Either, or, or both
    the addition rules · subtract the overlap once

    Two events, and the word or.

    The formulas in this lesson
    P(A∪B)=P(A)+P(B)P(A \cup B) = P(A) + P(B),P(A∪B)=P(A)+P(B)−P(A∩B)P(A \cup B) = P(A) + P(B) - P(A \cap B)
  • L28
    Lesson 28
    And then
    multiplication rules · with replacement, without, and given

    Where or adds, and multiplies. The question is only ever what the second factor should be.

    The formulas in this lesson
    P(A∣B)=P(A∩B)P(B)P(A \mid B) = \dfrac{P(A \cap B)}{P(B)},P(A∩B)=P(A) P(B)P(A \cap B) = P(A) \, P(B),P(A∩B)=P(A) P(B∣A)P(A \cap B) = P(A) \, P(B \mid A)
  • L29
    Lesson 29
    Counting the ways
    factorials, permutations, combinations — order or not

    Probability runs on counting, and counting runs on one question: does order matter? Answer that and the formula picks itself.

    The formulas in this lesson
    nPr=n!(n−r)!{}_{n}P_{r} = \dfrac{n!}{(n-r)!},nCr=n!r! (n−r)!{}_{n}C_{r} = \dfrac{n!}{r! \, (n-r)!},n!=n×(n−1)×⋯×2×1n! = n \times (n-1) \times \cdots \times 2 \times 1
  • L30
    Lesson 30
    The binomial distribution
    exactly k successes in n tries

    Repeat the same trial n times, independently, each succeeding with the same chance p, and count the successes. That is a binomial experiment, and it is the most common distribution on any exam paper.

    The formulas in this lesson
    μ=np\mu = np,P(X=k)=(nk)pk(1−p) n−kP(X = k) = \binom{n}{k} p^{k} (1-p)^{\,n-k},σ2=np(1−p)\sigma^{2} = np(1-p)
  • L31
    Lesson 31
    At least one, and what it's worth
    one minus none · the first success · the price of a bet

    “At least one” is the phrase that separates students who compute from students who think.

    The formulas in this lesson
    P=1−(1−p)nP = 1 - (1-p)^{n},P(X=k)=(1−p) k−1pP(X = k) = (1-p)^{\,k-1} p,E=pW−(1−p)LE = pW - (1-p)L
  • ★
    Boss lesson
    The Full House
    the boss · no calculator · count it, chance it, price it

    One table, one long problem, and every answer feeds the next: how many plays exist, then the chance one play wins, then the chance the evening produces at least one win, then what a single ticket is actually worth.

    The formulas in this lesson
    nCr=n!r! (n−r)!{}_{n}C_{r} = \dfrac{n!}{r! \, (n-r)!},nPr=n!(n−r)!{}_{n}P_{r} = \dfrac{n!}{(n-r)!}

Statistics & Data

  • L33
    Lesson 33
    Reading the data
    centre, spread or position — which is which

    A data set is a crowd, and there are only three useful things to ask about a crowd.

  • L34
    Lesson 34
    Measuring the spread
    variance, standard deviation, range and IQR

    That squared unit is the tell, and it is the only tell you need. Which is why the headline slip of this lesson is handing in a variance where a standard deviation was asked for.

    The formulas in this lesson
    σ=σ2\sigma = \sqrt{\sigma^2},σ2=σ⋅σ\sigma^2 = \sigma \cdot \sigma,R=xmax⁡−xmin⁡R = x_{\max} - x_{\min},IQR=Q3−Q1IQR = Q_3 - Q_1
  • L35
    Lesson 35
    How unusual is it
    z = (x − μ)/σ, asked every way

    Here is the move that makes statistics portable.

    The formula in this lesson
    z=x−μσz = \dfrac{x - \mu}{\sigma}
  • L36
    Lesson 36
    Fences and outliers
    Q₁ − 1.5·IQR and Q₃ + 1.5·IQR — who gets flagged

    An outlier is a value far enough from the rest that it deserves a second look — not automatically an error, and never automatically deleted.

    The formulas in this lesson
    LF=Q1−1.5 IQRLF = Q_1 - 1.5\,IQR,UF=Q3+1.5 IQRUF = Q_3 + 1.5\,IQR
  • L37
    Lesson 37
    The line of best fit
    slope from r, intercept through the means, then predict

    A least-squares line is fitted, not guessed, and it arrives in three moves.

    The formulas in this lesson
    b=r sysxb = r\,\dfrac{s_y}{s_x},a=yˉ−bxˉa = \bar{y} - b\bar{x},y^=a+bx\hat{y} = a + bx
  • L38
    Lesson 38
    How good is the fit
    R², percent error, and the honest average

    Fitting a line is easy; grading it is the skill.

    The formulas in this lesson
    R2=r2R^2 = r^2,PE=∣xmeas−xacc∣xaccPE = \dfrac{|x_{\text{meas}} - x_{\text{acc}}|}{x_{\text{acc}}},xˉ=n1xˉ1+n2xˉ2n1+n2\bar{x} = \dfrac{n_1\bar{x}_1 + n_2\bar{x}_2}{n_1 + n_2}
  • ★
    Boss lesson
    The Data Defence
    the boss · no calculator · one dataset, interrogated line by line

    Every variance is a perfect square, every z lands on a half, and every correlation squares in your head — the values were chosen so that the arithmetic is never the difficulty.

Financial Math

  • L40
    Lesson 40
    Percent change and simple interest
    Money's first formula

    Every formula in this chapter is built on one idea: a rate is a ratio, and a ratio has no units.

    The formulas in this lesson
    c=xnew−xoldxoldc = \dfrac{x_{\text{new}} - x_{\text{old}}}{x_{\text{old}}},I=P r tI = P\,r\,t
  • L41
    Lesson 41
    Compound growth
    Interest on the interest

    Chapter one of this course taught rates of change. Here is the most consequential one in your adult life: money whose growth rate is proportional to the balance itself.

    The formulas in this lesson
    A=P(1+rn)ntA = P\left(1 + \dfrac{r}{n}\right)^{nt},A=A0(1+r)tA = A_0 (1 + r)^{t}
  • L42
    Lesson 42
    Money travels in time
    What a future amount is worth today

    Compounding carries money forward.

    The formula in this lesson
    PV=FV(1+r)t\mathit{PV} = \dfrac{\mathit{FV}}{(1 + r)^{t}}
  • L43
    Lesson 43
    How long to double
    the rule of 72, and solving for the exponent honestly

    Doubling asks a different kind of question: not how much, but how long. The unknown moves into the exponent, and the only tool that reaches it is a logarithm.

    The formulas in this lesson
    n≈72Rn \approx \dfrac{72}{R},t=ln⁡(A/P)ln⁡(1+r)t = \dfrac{\ln(A / P)}{\ln(1 + r)},N=N0⋅2t/TN = N_0 \cdot 2^{t/T}
  • L44
    Lesson 44
    The annuity
    regular deposits, compounding as they land

    Nobody saves in one lump. They save $200 a month, and every instalment starts earning the day it lands — so the first deposit compounds for the whole term and the last one compounds for no time at all.

    The formula in this lesson
    FV=D (1+i)n−1i\mathit{FV} = D\,\dfrac{(1+i)^n - 1}{i}
  • L45
    Lesson 45
    Loans and honest rates
    the payment formula, total interest, and the EAR

    A loan is an annuity pointed the other way: you hold the balance, and equal payments grind it to exactly zero on the last one.

    The formulas in this lesson
    M=P i1−(1+i)−nM = \dfrac{P\,i}{1 - (1+i)^{-n}},EAR=(1+rm)m−1\mathit{EAR} = \left(1 + \dfrac{r}{m}\right)^{m} - 1
  • ★
    Boss lesson
    The Mortgage Final
    the boss · no calculator · one household, one year, every formula

    Every rate on this page is 6%, every number is chosen to fit in your head, and every answer feeds the next: the flat benchmark, then the compounding account, then the gap between them, then the savings plan, then the doubling check.

    The formula in this lesson
    I=P r tI = P\,r\,t

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