Answer :

To find the product of 18.95 and 7.20, follow these steps:

1. Start by aligning the two numbers as if you were performing long multiplication.
2. Multiply each digit of the second number by each digit of the first number, one at a time, and arrange the results appropriately, carrying over as necessary.
3. Sum the results to get the final product.
4. Be mindful of the total number of decimal places in the final answer. Since 18.95 has 2 decimal places and 7.20 has 2 decimal places, the product will have 4 decimal places.
5. Lastly, ensure the final result is correctly placed with the decimal point.

The carefully worked product of 18.95 and 7.20 is:

[tex]\[ 18.95 \times 7.20 = 136.44 \][/tex]

So, the answer is:
[tex]\[ 136.44 \][/tex]