Hey there!! 
In order to find the amount saved, we will need to find the 12% of $865.00 and subtract it from $865.00 
12 % = 12 / 100 = 0.12 
0.12 × 865 
$103.80 
This is the amount saved 
The amount will have to be paid = $850.00 - $103.80 
... $746.20 
Hope my answer helps!