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Start with the product of two binomials (with four different variables), expand it, and simplify it. The final result will be the required four-term polynomial.
Example polynomial: 12px + 8py - 3qx - 2qy
Factored polynomial: (4p - q)(3x + 2y)
Let's consider the following four-term polynomial.
12px + 8py - 3qx - 2qy
As we can see, the first two terms have p in common and the last two terms have q in common. We should group them together.
Distribute 4p-q
Multiply
The resulting expression will be the required four-term polynomial.