Question 704751
Let's look at the pattern first.
Year 1: 1995 => 12 + 3(0) = 12
Year 2: 1996 => 12 + 3(1) = 15
Year 3: 1997 => 12 + 3(2) = 18
Year 4: 1998 => 12 + 3(3) = 21
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Year16: 2010 => 12 + 3(15) = 57  

You will notice that the multiplier() is always less than 1 of the year.

Year Y: 12 + 3(Y-1)

You will also notice that 2010 is year 16 and not 15.