Miguel’s savings account balance changed by -$48 over a year because a banking fee was withdrawn every month. He wants to find the monthly change to his account.

Answer:
-48 ÷ 12
Step-by-step explanation:
account balance changed over a year = -$48
In a year, there are 12 months. Above statement can also be written as
account balance changed in 12 months = -$48
we have to find monthly change, so we divide LHS and RHS by 12
account balance changed in 12 /12 months = -$48/12
Thus, account balance changed in 1 months = -$48/12
which is represented option 4 i.e -48 ÷ 12