1) Karen borrowed $75, thats our first value
2) She paid back $37, thats our second value, since she paid back, we want to subtract 37 from the 75.
3) But borrowed 12 more dollars, that's our last value, we add back 12 dollars.
75-37+12 = 50
She still owes $50.
The 75 and 12 are negative because those are how much she is in debt.
Step-by-step explanation: She had $75-$37=$38
$38+12=$50 so in this case she owes $50!
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