so the meal is 78.24 and the tip applies to that amount, now we're assuming "the total cost" means the "price of the meal" plus the tip, so let's first check what the tip is, hmmm 20% of 78.24, if we take 78.24 to be the 100%, what is 20% off of it?
we know the meal is going the be discounted by 15% anyway, so if 78.24 is the 100%, how much is 15% off of it in percentage?