ill work it out w/ the steps so you can do it later on. STEP 1) multiply 95 by .10 to get 9.5 STEP 2) subtract 9.5 from 95 to get 85.5, your new price STEP 3) multiply 85.5 by 1.045 *mini step to get 1.045: add 4.5 to 100, get 104.5, divide by 100, get 1.045* then you get $89.35