Multiply both the numerator (top) and the denominator (bottom) of the fraction 12/20, by any non-zero integer or divide both by any common factor. You will have an equivalent fraction.
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Twelve twentieths, three fifths, or sixty one hundredths.
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If the whole number is twelve, three fourths? No, nine tenths of twelve would not be a complete fraction. Eighteen twentieths would equal nine tenths, or 90 percent if you're looking for a metric answer.