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13 of 20p = 260p.
20p - 8p = 12p
fraction = 1/2 10p/20p = 1/2
The GCF is 4.
Different countries have different coinage. You have not specified a country. In the UK, for example, you could do 50p + 20p + 20p + 20p + 10p + 5p = 1.25p