Let's remember the following:
1) In this case "Less than" means that there is a subtraction.
2) "The product" is the result of a multiplication.
Knowing the above, you know that " the product of 5 and -19" can be expressed as:
[tex](5)(-19)[/tex]Then, "4 less than the product of 5 and -19" can be expressed as:
[tex](5)(-19)-4[/tex]Giving you the following result:
[tex](5)(-19)-4=-95-4=-99[/tex]