.
1. "You travel the first 48 miles of a journey at an average of 36 mph".
It means that you spent = hours = hours = 1 hour and 20 minutes for this part of the journey.
2. "you want to average 45 mph over the 96 mile journey".
It means that you spend = hours = hours = hours = 2 hours and 8 minutes for the entire journey of 96 miles.
3. So, you have 2 hours 8 minutes - 1 hour 20 minutes = 128 minutes - 80 minutes = 48 minutes for the second part of 48 miles long.
4. Thus your speed on the seconf leg of 48 miles should be = 1 miles per minute or 60 miles per hour. ANSWER
Solved.
-----------------
You do not need use complicated formula.
You do not need use equations, at all.
To solve the problem, all you need is to apply your common sense.