The $44 meal was charged before Janine reported it as stolen. So the money would have left the account before the bank put any blocks on the credit card. So as a result, Janine is responsible for paying $44
13 divided by 11.3 is 1.150442477876106. So 15 by 1.150442477876106 and you get 13.03846162772485. Just round it to the nearest tenth and you get 13.0.
