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\frac{4}{100}-\frac{5}{100}
Least common multiple of 25 and 20 is 100. Convert \frac{1}{25} and \frac{1}{20} to fractions with denominator 100.
\frac{4-5}{100}
Since \frac{4}{100} and \frac{5}{100} have the same denominator, subtract them by subtracting their numerators.
-\frac{1}{100}
Subtract 5 from 4 to get -1.