Distance (d) equals velocity (v) times time (t). Therefore, t=d/v.
Since they both rode for the same amount of time: d1/v1 = d2/v2
40km/v1 = 28km/v2
Also, v2=v1 - 3 (since Tracy's rate was 3 km/h slower than Silvia's rate)
Substitution:
40km/v1 = 28km/(v1 - 3)
Cross-multiply:
40v1 - 120 = 28v1
12v1 = 120
v1 = 10
v2 = v1 - 3 = 10 - 3 = 7