You can find 10% of any number by simply moving the decimal point of a number one place to the left. You can find 1% of any number by simply moving the decimal point by moving it two places to the left.
In your problem here, 10% of 400,000 would be 40,000.0 which means 1% would be 4,000.
4,000 x 3 = 12,000. So 3% of 400,000 is 12,000.
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60% of 400000 = 60% * 400000 = 0.6 * 400000 = 240,000
40000
(400000) x (1.07)(raised to 15) = (400000) x (2.759) = 1103600
85% decrease.
It is: 5% of 400,000 = 20,000