Lower:

Mrs Swan is hanging out her towels to dry. She puts two pegs on each towel. How many pegs does she need to hold 4 towels? Mrs Swan sees that her peg box is running low. She puts one peg on the corner of two towels. This way she only needs 3 pegs for 2 towels. How many pegs does she need for 4 towels now?

Middle:

Mrs Casey and Mrs Small are playing a game on a number-line. Mrs Casey can jump three numbers at a time and Mrs Small can only jump two. Mrs Casey starts at 1 and Mrs Small starts at 30. If they both jump together, who gets to 100 first and how long do they have to wait for the other one?

Upper:

Tia and Tom are twins. Tia saves and Tom spends. Tom finds a $20 note on Sunday evening and spends $2 a day starting on Monday. Coincidentally, Tia starts work on Monday and gets $2.50 a day. How long will it be before Tia has more money than Tom?