Scanning the problem statement, the word "how" alerts us to the fact that we have located what is asked for. Starting with "how" we continue to read. The word "if" tells us to quit reading. We have what the problem ask for: "how much must Ann give Peggy" states exactly what is asked for. Our first step is to write how_much = .... The next step will be to determine what goes on the right side of the equal sign.