1. The problem asks for the total cost to join a gym for one year, given a monthly fee of 45 and a one-time starting fee of 75. 2. The total cost for one year includes paying the monthly fee 12 times plus the one-time starting fee. 3. The formula to calculate total cost $c$ is: $$c = (\text{monthly fee} \times 12) + \text{starting fee}$$ 4. Substitute the values: $$c = (45 \times 12) + 75$$ 5. Calculate the multiplication: $$45 \times 12 = 540$$ 6. Add the starting fee: $$540 + 75 = 615$$ 7. So, the correct formula is: $$(45 \times 12) + 75 = c$$ and the total cost $c$ is 615.