Which has the lesser initial value

Lionel cell phone plan cost $45 per month
The relationship between the number of months ruby has had her cell phone x and the total cost y is given by y = 40x + 60

Lionel's cell phone plan has the lesser initial value.

Based on the given equation for Ruby's cell phone plan, when x=0 (the number of months she has had her cell phone), the total cost y is equal to 60.
In Lionel's case, the cost is a fixed $45 per month, so the initial value is $45.

Therefore, Lionel's cell phone plan has the lesser initial value of $45 compared to Ruby's cell phone plan with an initial value of $60.