Concept:In this code, the first and last letters are replaced by their reverse-alphabet pairs, while all middle letters are shifted 3 places backward.Explanation:For MONTHLY: first letter M→N and last letter Y→B are opposite pairs.Middle letters shift 3 places backward: O→L, N→K, T→Q, H→E, L→I.So, MONTHLY becomes NLKQEIB.Apply the same pattern to ANNUAL.First letter: A→Z.Last letter: L→O.Middle letters: N→K, N→K, U→R, A→X.Combining these gives ZKKRXO.