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