Let the total distance be D. Train M takes 4 hours, so its speed is D/4. Train N takes 3.5 hours, so its speed is D/3.5, or 2D/7. By 7 a.m., train M has traveled for 2 hours, covering a distance of 2D/4, leaving a remaining distance of D/2. Using the relative speed formula for objects moving towards each other, their relative speed is D/4 + 2D/7 = 15D/28. The time taken to meet is the remaining distance divided by the relative speed: (D/2) divided by (15D/28) equals 14/15 hours, or 56 minutes. Adding this to 7 a.m. gives a crossing time of 7.56 a.m.