Shirl's phone service costs her $18.50 per month. If she averages

$13.40 per month for long-distance calls, what is her annual expense
for telephone?
a. $31.90
b. $222
c. $382.80
d. $54

To find Shirl's annual expense for telephone, we need to add up her monthly cost of phone service and monthly cost of long-distance calls, and multiply by 12 (months in a year):

$18.50 + $13.40 = $31.90 (monthly cost)
$31.90 x 12 = $382.80

Therefore, the answer is (c) $382.80.