Erma's gross earnings are $18,750 per year. if she has 22% withheld,

what is her net income?
a. $14,890
b. $14,625
c. $4,125
d. $852.27

To find Erma's net income, we need to subtract the amount withheld from her gross earnings:

$18,750 - (0.22 × $18,750) = $14,625

Therefore, Erma's net income is $14,625. The answer is (b).