$12.95 dinner; 15% tip
\(15\% \ of \ 12.95\$= \frac{15}{100}*12.95= \frac{3}{20}*12.95= \\\\ =3*0.6475 \to \boxed{1.9425\$ -the \ tip}\)
15% x 12.95
.15 x 12.95=1.9425
1.9425= tip
now add the tip to the dinner price
12.95 + 1.9425 = 14.8925
the total amount that you would give would be about 14.90 ( including tip )