In this task, you need to answer the given multiple-choice question on the gain. Gain is the value by which to multiply the input. Classify your answers into 'a', 'b', 'c', 'd', and 'e'.

Problem: a number exceeds 20 % of itself by 40 . the number is ? 
Options: a ) 50 , b ) 60 , c ) 80 , d ) 320 , e ) none
a

Problem: find number which is 60 % less than 120 . 
Options: a ) 18 , b ) 22 , c ) 28 , d ) 48 , e ) 98
d

Problem: from january 1 , 2015 , to january 1 , 2017 , the number of people enrolled in health maintenance organizations increased by 5 percent . the enrollment on january 1 , 2017 , was 45 million . how many million people , to the nearest million , were enrolled in health maintenance organizations on january 1 , 2015 ? 
Options: a ) 38 , b ) 39 , c ) 40 , d ) 41 , e ) 43

e