You can use the digits 1, 9, 2, and 3 to come up with the numbers 98 and 95 as follows:
To get 98:
Use the digit 9.
Combine it with the digit 8, which is formed by reversing the digit 1.
So, 98 is formed.
To get 95:
Use the digit 9.
Combine it with the digit 5, which is formed by using the digits 1 and 3 as follows:
1 + 3 = 4
4 + 1 = 5
So, 95 is formed.
So, using the digits 1, 9, 2, and 3, you can come up with the numbers 98 and 95.