To find the 15% of $20 you multiply 20 by 0.15 or by 15/100. The next expressions represent 15% of $20
[tex]\begin{gathered} 20\cdot0.15 \\ \\ 20\cdot\frac{15}{100} \end{gathered}[/tex]The total bill is $20 plus the tip (15% of $20). the next expression represents the total bill:
[tex]20+0.15\cdot20[/tex]