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\frac{40}{2}-\frac{1}{2}-3\times \left(\frac{1}{2}\right)^{2}
Convert 20 to fraction \frac{40}{2}.
\frac{40-1}{2}-3\times \left(\frac{1}{2}\right)^{2}
Since \frac{40}{2} and \frac{1}{2} have the same denominator, subtract them by subtracting their numerators.
\frac{39}{2}-3\times \left(\frac{1}{2}\right)^{2}
Subtract 1 from 40 to get 39.
\frac{39}{2}-3\times \frac{1}{4}
Calculate \frac{1}{2} to the power of 2 and get \frac{1}{4}.
\frac{39}{2}-\frac{3}{4}
Multiply 3 and \frac{1}{4} to get \frac{3}{4}.
\frac{78}{4}-\frac{3}{4}
Least common multiple of 2 and 4 is 4. Convert \frac{39}{2} and \frac{3}{4} to fractions with denominator 4.
\frac{78-3}{4}
Since \frac{78}{4} and \frac{3}{4} have the same denominator, subtract them by subtracting their numerators.
\frac{75}{4}
Subtract 3 from 78 to get 75.