The formula is easier to remember this way: If you start counting with zero instead of with 1, the Rth term of (A+B)N is C(N,R)AN-RBR The 4th term if you count starting with with 1, is the 3rd term if you count starting with zero. (2z-3)5 C(5,3)(2z)5-3(-3)3 = 10(2z)2(-27) = -270(22z2) = -270(4z4) = -1080z2 Edwin