There is 4.8% sales tax on all clothing items purchased. Danielle wants to buy a shirt, which costs $18.95. Danielle figures that if she has $20 she will have enough to buy the shirt. After adding in sales tax, $20 IS a reasonable amount for Danielle to bring.
Total = 100%
100% + 4.8% sales tax = 104.8%
104.8% ÷ 100 = 1.048
$18.95 (cost of the shirt) ⋅ 1.048 = $19.86
$19.86 < $20.00
Therefore, Danielle has enough money to buy the shirt.