(2/5) - (1/4) = (8/20) - (5/20) = 3/20
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One whole and two fifths
Call it 21 fifths minus 13 fifths, ie 8 fifths which is one-and-three-fifths
six and three fifths
Nine tenths plus two fifths minus one fourth is equal to 1.05
4/5 is the answer.