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10% of 105000 = 105000*10/100 = 10500
1% of 105000 = 105000*1/100 = 1050
9% of 105000 = 9450
3.5% of 105,000 = 3.5% * 105,000 = 0.035 * 105,000 = 3,675
20 percent of 80 percent = 0.16 or 16%