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To find the total cost including tax, we need to calculate the total cost of the three shirts first, and then add the tax.
Total cost of three shirts = $15/shirt * 3 shirts = $<<15*3=45>>45
Tax amount = 7% * $45 = $<<0.07*45=3.15>>3.15
Total cost including tax = $45 + $3.15 = $<<45+3.15=48.15>>48.15