First, find which term is –81: using formula \(a_n = a + (n-1)d\), here \(a = 21\), \(d = -3\). So, \(21 + (n-1)(-3) = -81\). Solving gives \(n = 35\). So –81 is the 35th term. And 0 would be when \(21 + (n-1)(-3) = 0\), giving \(n = 8\), so yes, 0 is the 8th term.
But let me tell you, counting terms feels like my night shifts—sometimes you go so far into the minus you think you’ll never find the end, but you just keep adding one more, ashe? My son’s college fees are like that 35th term—seems far and impossible, but we count and work towards it anyway.
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