... you borrow 50 from your Mum and 50 from you Dad. Now you have 100cedis. After buying the shirt for 97 cedis, you have 3 cedis left.

You return 1 cedi to your Dad and 1 cedi to your mum and 1 cedi for urself. Now you owe your mum 49 and your Dad 49 so 49+49=98 plus the 1 cedi with you is 99 cedis. WHERE IS THE MISSING 1 cedi?

Small mental math! WHAT'S THE ANSWER?