Answer:
Have to pay $15.12 but with the 15% tip, it's $16.56.
Explanation:
To find how the amount to pay, you do y=a(b)^x.
In this case, it would be y=14.40(1.05)^1. You get the 1.05 from adding the 5% to 100 then turning it into a decimal (dividing by 100).
To figure out the amount needed to be paid with a 15% tip is the same idea. Give it a try.