The amount M (in trillions of dollars) of mortgage debt outstanding in the United States from 1990 through 2009 can be approximated by the function M = f(t) = 0.0037(t + 14.979)2, where t = 0 represents the year 1990.

a) Describe the transformation of the common function f(x) = x2. Then sketch the graph over the interval 0 ≤ t ≤ 19.

b) Predict the mortgage debt in the year 2014.