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Ian used a discount coupon for $5 \%$ off at his favorite clothing store. He bought $4$ pairs of shoes for $x$ dollars each and $2$ shirts for $y$ dollars each. Which expression represents the total amount Ian paid after the coupon was applied?$\newline$$(4 x+2 y)-0.05(4 x+2 y)$$\newline$$0.05(4 x+2 y)+(4 x+2 y)$$\newline$$(4 x+2 y)-0.95(4 x+2 y)$$\newline$$95(4 x+2 y)$