To calculate 15% of 18.40 and then subtract it from 18.40, follow these steps:
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Calculate 15% of 18.40: \[ 15% \text{ of } 18.40 = 0.15 \times 18.40 = 2.76 \]
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Subtract that amount from 18.40: \[ 18.40 - 2.76 = 15.64 \]
So, \( 18.40 - 15% = 15.64 \).