Final answer:
Harper multiplies the cost of the meal by 1.16 to find the total cost including a 16% tip.
Step-by-step explanation:
To find the total cost of the meal including a 16% tip, Harper should multiply the cost of the meal by 1.16. This is because a 16% tip can be converted into a decimal by dividing 16 by 100, resulting in 0.16. To calculate the total, we add the original cost of the meal (100%) and the tip (16%), leading to 116% or 1.16 in decimal form. Hence, the multiplication factor for the total cost including tip is 1.16.