Here are the solutions to the daily startup problems with explanations: I have 4 groups of 6 black chips. 4x6 = 24 I have 4 groups of 6 red chips. 4x6 = 24 I owe 4 groups of 6 black chips. -4x6 = -24 (Owing chips is a negative amount) I owe 4 groups of 6 red chips. -4x6 = -24 (Owing chips is a negative amount) In the first two situations, having chips is a positive amount. In the last two situations, owing chips is represented as a negative amount since it is a debt that is owed.