It is: 35/100 = 7/20 simplified
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35 pence (not pens!) is 35/100 = 7/20 of a pound.
10 pence is one tenth of a pound.
4/5 of a pound.
It is 45/100.
There are 100 pence in a pound. 15 out of 100 is 15/100. The simplest form is 3/20