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It depends on the context.

In a polynomial, each term is a product of constants and variables and the 12th term is the 12th one in a polynomial sum.

In a sequence of expressions, it is the 12th expression.

In the academic context, it could refer to the second period in the sixth year (if you have semesters) or the last term in the fourth year (where there are three terms in a year).

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Q: What is the 12th term in maths?
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