jmc

Let $n$ be the greatest possible integer Jo could be thinking of. We know $n<100$ and $n=8k-1=7l-3$ for some positive integers $k$ and $l$. From this we see that $7l=8k+2=2(4k+1)$, so $7l$ is a multiple of 14. List some multiples of 14, in decreasing order: 112, 98, 84, 70, .... Since $n<100$, 112 is too large, but 98 works: $7k=98\Rightarrow n=98-3=95=8(12)-1$. Thus, $n=\boxed{95}$.