Hello!
We know our denominator is 60, because that is the total amount of cities. Now, we must find our numerator:
3 + 29 = 32
Fraction: 32/60
You can simplify this by dividing both the numerator and denominator by 4:
32 ÷ 4 = 8 60 ÷ 4 = 15
FRACTION (SIMPLIFIED): 8/15
12! = 12x11x10x9x8x7x6x5x4x3x2x1 =479,001,600
3! = 3x2x1 =6
13! = 6,227,020,800
6,227,020,800 x 6 = 37,362,124,800
479,001,600/37,362,124,800=0.0128
Answer: Allison owes the bank more then $50