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Instead of asking what 20% off 12, ask what is 10% of 12. Remember that 10% of any number is the number itself with the decimal point moved one place to the left.

I.e 10% of 236.0 is 23.60, 10% of 90041.00 is 9004.10.

So 10% of 12 would be 1.20, which means 20% would be 2.40.

12 - 2.40 = 9.60

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