1. **State the problem:** Simplify the expression $3.6 \times 5 - 4.8 \div 4 + 10.2$. 2. **Recall order of operations:** Multiplication and division are performed before addition and subtraction, from left to right. 3. **Calculate multiplication:** $$3.6 \times 5 = 18$$ 4. **Calculate division:** $$4.8 \div 4 = 1.2$$ 5. **Substitute back into the expression:** $$18 - 1.2 + 10.2$$ 6. **Perform subtraction:** $$18 - 1.2 = 16.8$$ 7. **Perform addition:** $$16.8 + 10.2 = 27$$ **Final answer:** $27$