5 * 10^6 is how many times larger as 5 * 10^4
2 answers:
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Add 165 to 245. That is a total of 410kWh.
245kWh is more than 50% of 410kWh.
So, according to the plan, you will pay NightTimer rate for kWh at night and DayTimer rate during the day.
The work done:
The raw, accurate, answer is that the value to pay is $22.08085.
In real terms, it is closer to your $22.08 option. That is the one I'd take.