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The 12th term of an A.P is minus41 given that the first term is 3,find the 20th term

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11 differences between 3 and -41

the difference is ... (-41 - 3) / 11 = -4

19 differences from the 1st term to the 20th

the 20th term is ... 3 + (19 * -4) = ?

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