Your 40 is 2 twenties so you get back 9 twenties plus your stake ie 220.
Sure, if by "plus" you mean concatenation. Otherwise, it's 2.
3+2h
2+
2+2+2+2+2+2+2+2+2+2+2+2+(2x0) =2+2+2+2+2+2+2+2+2+2+2+2+0 =24
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