Week 2 exercise questions

In this question, since the index starts at 0 not 1, why the answer is not 178?

In this example, indices do not start at 0.

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How do I know when index start at 0 and when it does not?

I go by this rule: it always starts at 1. Except when coding, every programming language I am aware of starts at 0.

In natural counting and mathematics, start at 1.
In most programming languages, start at 0.

This example question does not ask you to write a program.