Nabhitha has a loyalty card good for a 20% discount at her local pharmacy. What would her total in dollars and cents be, after the discount and before tax, if the total cost of all the items she wants to buy is $18.30? Round to the nearest cent.

First, we calculate the discount amount by multiplying the total cost by 20%:

$18.30 * 0.20 = $3.66

Then, we subtract the discount from the total cost to find the final price before tax:

$18.30 - $3.66 = $14.64

Therefore, Nabhitha's total in dollars and cents after the discount and before tax would be $14.64.