What does below Rebus say?

XLR8

Two old friends, Jack and Bill, meet after a long time.

Three kids
Jack: Hey, how are you, man?
Bill: Not bad, got married and I have three kids now.
Jack: That's awesome. How old are they?
Bill: The product of their ages is 72 and the sum of their ages is the same as your birth date.
Jack: Cool..But I still don't know.
Bill: My eldest kid just started taking piano lessons.
Jack: Oh, now I get it.

How old are Bill's kids?

What does this mean?

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When 99 is considered higher than 100?

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How many houses are there between your home and your grandmother's home?

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