That you multiply it by the number outside and right up against the parenthesis...
Ex.
3(4) = 3 x 4 = 12
5(2) = 10 = 2 x 5
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D can mean anything, it's only substituting a number that you have to find out. That's how you do basic algebra
a variable (an unknown number/ any number).
An unknown number
This means you have a negative balance.