1. **State the problem:** Xander bought three shirts for $13.00 each. A 5% shipping and handling fee was added to the cost of the shirts. We need to find the total amount Xander paid. 2. **Calculate the total cost of the shirts before shipping:** $$3 \times 13.00 = 39.00$$ 3. **Calculate the shipping and handling fee (5% of $39.00):** $$0.05 \times 39.00 = 1.95$$ 4. **Add the shipping fee to the cost of the shirts:** $$39.00 + 1.95 = 40.95$$ 5. **Conclusion:** Xander paid a total of $40.95. **Final answer:** D. $40.95