\[x^{2}y + xy^{2} - 3 + x + y - 3xy =\]
\[= xy(x + y) + (x + y) - 3(1 + xy) =\]
\[= (x + y)(xy + 1) - 3(xy + 1) =\]
\[= (xy + 1)(x + y - 3);\]
\[x = 1,97;y = 1,03:\]
\[(1,97 \cdot 1,03 + 1)(1,97 + 1,03 - 3) =\]
\[= (1,97 \cdot 1,03 + 1) \cdot 0 = 0.\]