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20\left(1-\left(1+\frac{3}{20}\right)-5\right)
Reduce the fraction \frac{15}{100} to lowest terms by extracting and canceling out 5.
20\left(1-\left(\frac{20}{20}+\frac{3}{20}\right)-5\right)
Convert 1 to fraction \frac{20}{20}.
20\left(1-\frac{20+3}{20}-5\right)
Since \frac{20}{20} and \frac{3}{20} have the same denominator, add them by adding their numerators.
20\left(1-\frac{23}{20}-5\right)
Add 20 and 3 to get 23.
20\left(\frac{20}{20}-\frac{23}{20}-5\right)
Convert 1 to fraction \frac{20}{20}.
20\left(\frac{20-23}{20}-5\right)
Since \frac{20}{20} and \frac{23}{20} have the same denominator, subtract them by subtracting their numerators.
20\left(-\frac{3}{20}-5\right)
Subtract 23 from 20 to get -3.
20\left(-\frac{3}{20}-\frac{100}{20}\right)
Convert 5 to fraction \frac{100}{20}.
20\times \frac{-3-100}{20}
Since -\frac{3}{20} and \frac{100}{20} have the same denominator, subtract them by subtracting their numerators.
20\left(-\frac{103}{20}\right)
Subtract 100 from -3 to get -103.
-103
Cancel out 20 and 20.