A store is having a sale. Each customer received either a 15% discount on purchases under $100 or a 20% discount on purchases of $100 or more. Kelly is purchasing some clothes for $96.60 before the discount. She decides to buy the fewest packs of gum that will increase her purchase to over $100. The price of each pack of gum is $0.79. After the discount, how much less will Kelly pay by purchasing the clothes and the gum instead of purchasing only the clothes? (Assume there is no sales tax to consider.)