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ETA:
For those of you who wonder how anybody could reach adulthood without being able to calculate payments based on X, Y, and Z, I suggest you work in a rural, low-income school district for a couple of years. I did and met many a high school student graduating with two years of algebra classes under their belt who couldn't even calculate 2 + 3 x 4 correctly. (They were also taught that the Crusades were a group of missionaries who went around the world helping people.) These were the same students who magically passed their pre-algebra classes in middle school without learning how to multiply 5 x 6.
Why would the teachers permit such a thing, you ask? This particular school district is the winner of many an educational grant and award, both on the national and local level, for their exceptionally high graduation rate for a low-income school. It's why their staff is always able to fly first class and stay in four-star hotels when they attend teaching conferences, despite being such a poor district that they can't even afford to build enough porta potties for their kids to meet state guidelines.