Break apart ones to subtract 36-7

What is the size of the matrix resulting from

During a bike challenge riders have to collect various colored ribbons each 1/2 mile they collect a red ribbon each eighth mile they collect a green ribbon and each quarter mile they collect a blue ribbion wich colors of ribion will be collected at the 3/4 markrer

The management of a supermarket wants to adopt a new promotional policy of giving a free gift to every customer who spends more than a certain amount per visit at this supermarket. the expectation of the management is that after this promotional policy is advertised, the expenditures for all customers at this supermarket will be normally distributed with a mean of $95 and a standard deviation of $20. if the management wants to give free gifts to at most 10% of the customers, what should the amount be above which a customer would receive a free gift?