I'd just write out departure and arrival times for each train and look for the least possible wait times.
Train X: With just over 4 hours of travel time [1 (3/4) + 2(1/3)] the train leaving at 11am is the last possible one to catch to get to Z no later than 3:30pm
Departs Arrives
6am 7:45am
7am 8:45am
8am 9:45am
9am 10:45am
10am 11:45am
11am 12:45pm
Train Y: With 2 (1/3) hours of travel time, the train leaving at 1pm is the last possible one to catch to get to Z no later than 3:30pm
Departs Arrives
9am 11:20am
9:30am 11:50am
10am 12:20pm
10:30am 12:50pm
11am 1:20pm
11:30am 1:50pm
12:00pm 2:20pm
12:30pm 2:50pm
1:00pm 3:20pm
Train Z: With just over 4 hours of travel time from X, there is no way to get to Z any earlier than 10:20
Departs:
(8am, 8:45am, 9:30am, 10:15am)- Can ignore
11am
11:45am
12:30pm
1:15pm
2pm
2:45pm
3:30pm
OK, now take a look! The X train arrives 45 minutes past the hour and the Y train departs on the hour and on the half-hour, so the ideal shortest wait time would be 15 minutes (:45 to :00). Similarly, the Y train arrives at :20 and :50 past the hour and the Z train departs at various points :15, :30, :45 and :00 so the ideal shortest wait time would be 10 minutes (from :20 to :30 or from :50 to :00). So it looks like the shortest possible wait time is 25 minutes. Finally, check to see if that's possible by thinking backwards.
Could she take the 3:30 train from Z with minimum wait time? Sure! She could arrive at Y at 3:20. OK, could she get on that 1:00 train at Y with minimum wait time? Sure! she could get off the X train at 12:45 if she starts at 11am. Since there's no way she can wait less than 25 minutes, and this trip is possible, I'd say 25 minutes is your answer. Depart X at 11am. X: 11am - 12:45pm, Y: 1:00pm - 3:20pm, Z: 3:30pm.
Take note, that this is not your only option. She could also take X: 8am - 9:45am, Y: 10am-12:20pm, Z: 12:30 for that minimum wait time. So it's not like you have to just guess the right one. Sure, writing all this out took a few minutes, but I never worry about time when my pencil is moving. It's quicker than it seems. I only worry about how long a question is taking if I'm stuck staring at it.
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