At a restaurant, the bill comes to $28. If you decide to leave a 15% tip, how much do you need to pay? (Answer to the nearest penny)

To calculate the total amount you need to pay, including a 15% tip on a $28 bill, follow these steps:

1. Calculate the tip amount:
   Tip = Bill Amount × Tip Percentage
   Tip = $28 × 0.15 = $4.20
2. Add the tip to the original bill amount to get the total amount:
   Total Amount = Bill Amount + Tip
   Total Amount = $28 + $4.20 = $32.20

Therefore, you need to pay $32.20 in total, rounded to the nearest penny.