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\frac{0.4\left(-0.6\right)}{12}
Subtract 1 from 0.4 to get -0.6.
\frac{-0.24}{12}
Multiply 0.4 and -0.6 to get -0.24.
\frac{-24}{1200}
Expand \frac{-0.24}{12} by multiplying both numerator and the denominator by 100.
-\frac{1}{50}
Reduce the fraction \frac{-24}{1200} to lowest terms by extracting and canceling out 24.