Just over 9 hours. You also need to think about the traffic and the weather.
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The train will travel 643 miles at 78 miles/hour in (643/78) hours = about 8.24 hours. However, Chicago uses Central Standard Time while New York uses Eastern Standard Time, one hour earlier. Therefore the train left Chicago at 7 am EST and will arrive in New York at about 3:15 pm.
643
643 * (3.2%) = 20.57600
643 - 189 = 454
5932 X 643 = 3,814,276