By reflecting it over the x axis it's basically like multiplying the y by -1 if you were to reflect it over the y axis you would be multiplying the x by -1
first you should try to find the closest multiple of 19 which you should multiply 19 by 5 and get 95. then subtract 97.75-95 which equals 2.75. 2.75 then needs to be divided by the cost per extra minute 0.07 so 2.75 divided by .07 which gets you 39. 39 minutes