It is 29 because it's a Prime number
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16
1 and 5
The difference is between factor pairs and distinct factors. With square numbers, one of the factor pairs will be the same number twice. When listing the distinct factors, that number is only listed once.
The factors of 4 are 1, 2, and 4. The only prime factor of 4 is 2. The factors of 20 are 1, 2, 4, 5, 10, and 20. The prime factors of 20 are 2x2x5.
20 has six factors.