Phil started his day with $40. He bought a slice of pizza for $2.75, a soda for $1.50 and a pair of jeans for $11.50.  If he has nothing but quarters left of his original money, how many quarters does he now have?
The total cost of pizza, soda and jeans is $2.75 + $1.50 + $11.50 = $
<gadget id="calculator">2.75+1.5+11.5</gadget>
<output>15.75</output>
15.75.
He now has $40 - $15.75 = $
<gadget id="calculator">40-15.75</gadget>
<output>24.25</output>
24.25 left.
There are 4 quarters in $1.00 so $24 is equal to 24 x 4 = 
<gadget id="calculator">24*4</gadget>
<output>96</output>
96 quarters.
25 cents is equal to 1 quarter.
Therefore, Phil has 96 quarters + 1 quarter = 
<gadget id="calculator">96+1</gadget>
<output>97</output>
97 quarters now.

<result>97</result>