For \( n \in \mathbb{N} \), the largest positive integer that divides \( 81^n + 20n - 1 \) is \( k \). If \( S \) is the sum of all positive divisors of \( k \), then find \( S - k \).
If $ X = A \times B $, $ A = \begin{bmatrix} 1 & 2 \\-1 & 1 \end{bmatrix} $, $ B = \begin{bmatrix} 3 & 6 \\5 & 7 \end{bmatrix} $, find $ x_1 + x_2 $.