The formula for the kth term of
(U + V)N
is
C(N,k-1)UN-k+1Vk-1
Therefore to find the the 11th term of (b-3)12,
we substitute b for U, -3 for V, 12 for N and 11 for k
and then
C(N,k-1)UN-k+1Vk-1
becomes
C(12,11-1)b12-11+1(-3)11-1
C(12,10)b2(-3)10
66b2(59049)
3897234b2
Edwin