First, to find which term is -81 in the AP: common difference is -3. Using formula aₙ = a + (n-1)d, -81 = 21 + (n-1)(-3). Solving gives n=35, so -81 is the 35th term. And 0? Putting 0 in same formula gives n=8, so yes, 0 is the 8th term.
But here’s my haarni: I once tried giving myself a trim between customers, ended up looking like a plucked chicken! So in my life, things rarely follow a perfect pattern—our salon's accounts are an AP only in how steadily the EMIs go *down* my pocket. So mathematically, sahi hai, but in real life? Zero feels like my bank balance every 10th.
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