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80 ÷ 65 = 1 with remainder 15 or 1.23 times.
65 ÷ 25 = 2 with remainder 15.
4 times with remainder 5.
4 R 5
20% of 65 is 15. The calculation is 65/100 x 20 => 1 zero of 100 cancels the zero in 20. that leaves us with 65/10 x 2 => 2 and 10 will cancel off and it becomes 65/5 => 5 goes into 65=15 times.