Given is - A study of 860 U.S. ATMs found that the average surcharge for withdrawals from a competing bank was $1.15. The sample is ATMs from a competing bank.
A competing bank cannot be thousands. Rather a competing bank can have hundreds of ATM's throughout US. So, the given number of ATM's is sample here. The statement is true.
If it would have been that the sample ATM's is from all U.S, then the statement would have been false.
Take 10 and times it by 3 which would equal 30. Now you would do that because 10 is the missing 1/3 so you add 2/3 = 20 plus 1/3 = 10 so 10+20=30. That would be how much money he had at first