Joanie wants to join a gym to get into shape. The gym costs $12 per month and has a $50 down payment. How much will she need to pay for the first 3 years?
The membership costs $12 * 12 months = $<T>multiply(12, 12)=144 per year.
For three years, the monthly membership fee will be $144 * 3 = $<T>multiply(144, 3)=432
The total amount paid for 3 years will be $432 + $50 = $<T>add(432, 50)=482
