Well, someone is obviously confused here, lets find out who he is.
If I get this correct, you gave her the chip and tool, she gave you the insurance (110).
She load the chip with 0,19ped, gives you the chip/tool back. At this point you should return the insurance (she gave you the chip/tool back) AND pay her for the skills she loaded (0,19x8,4=159,6).
Total: 269,6ped
