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During a holiday sale, a student purchases three items from an online store: a set of headphones for RM25, a backpack for RM40, and a desk lamp for RM15. The e-commerce platform automatically applies a 10% discount if the total purchase exceeds RM70 and then adds a 5% service tax to the discounted total. Considering the order details, the automatic discount, and the tax rules, calculate the final amount charged to the student's account.