Joseph joins a gym that charges $79.99 per month plus tax for a premium membership. A tax of \(6\%\) is applied to the monthly fee. Joseph is also charged a one-time initiation fee of $95 as soon as he joins. There is no contract so that Joseph can cancel at any time without having to pay a penalty. Which of the following represents Joseph's total charge, in dollars, if he keeps his membership for t months?