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Hi
It's not a good estimation. 2 is 10% of 20, so 5% is 1 dollar.
As the bill is above 20, and 15 = 10+5 , so 15% is at least more than 3.
So 3 would be a better estimation.
In fact, 15% of 20.36 is : 20.36 *0.15 = 3.054