Rashaad has a loyalty card good for a 10% discount at his local hardware store. What would his total in dollars and cents be, after the discount and before tax, if the total cost of all the items he wants to buy is $31.40? Round to the nearest cent.

To find the total cost after the discount, we first need to calculate the discount amount.

Discount amount = 10% of $31.40
Discount amount = 0.10 * $31.40
Discount amount = $3.14

Now subtract the discount amount from the total cost to find the final cost:

Final cost = $31.40 - $3.14
Final cost = $28.26

Therefore, Rashaad's total cost after the discount and before tax would be $28.26.