Another way to think about it: for every 100 units in 10, you take 95. That adds up to 9.5.
95% of 10 equals 9.5. This applies to discounts, tips, taxes, interest rates, or any scenario where you need 95 out of every 100 parts of 10.
Whether you are calculating a discount, a tax, a tip, or a commission, the math is always the same: multiply 10 by 0.95.