normallly you don't tip on the tax nor do you tax on tip
find 20% and 5% of 19.75
find 20% of 19.75 and add to 5% of 19.75
hmm, we can undistribute
19.75(20%+5%)
19.75(25%
find 25% of 19.75
25% of 19.75=0.25 times 19.75=4.9375
add that to 19.75
4.9375+19.75=24.6875
round
price to pay for lunch is $24.69