Your 40 is 2 twenties so you get back 9 twenties plus your stake ie 220.
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$1000
You would win 1000 and get your 25 back, so you would get 1025.
40 % of 40 dollars = 40/100 * 40 = 0.4 * 40 = 16 dollars off 16 dollars off 40 dollars = 40 - 16 = 24 dollars
30% off of 40 dollars = 70% [left] of 40 dollars = 40*70/100 = 28 dollars
40% of 120 dollars = 120*40/100 = 48 dollars. So 40% off = 120 - 48 = 72 dollars.