Final answer:
To find the water bill, multiply the car payment by 0.12 to get the answer.
Step-by-step explanation:
To find the water bill, you need to calculate 12% of the car payment.
First, convert 12% to decimal form by dividing it by 100: 12/100 = 0.12.
Then, multiply the car payment by 0.12 to find the water bill: 312.67 * 0.12 = 37.52.
Therefore, the water bill is $37.52.