Sumiko and Chung are shopping. Chung wants to buy a video game that costs $60, and Sumiko wants to buy a new pair of sunglasses for $80. In their possession, they have a gift card for $20, applied after taxes, and a 15 percent off coupon, applied before taxes. Sumiko and Chung want to use their remaining money to buy lunch, which they will split, at the mall. Assuming that taxes are 8.7 percent, who should use which savings option to ensure they have the most money remaining for lunch?