Elanor wants to purchase two art posters. One poster costs $4.85 and the other poster costs $15.00. There is sale at the store for 20% off each item, and there is 5% sales tax. Find the approximate amount that she has to pay for the two posters

4.85 + 15 = 19.85

19.85 * 0.8 + 15.88

15.88 * 1.05 = ?