Answer:
Sandy will finish the race first.
Step-by-step explanation:
Let D be the total one sided distance in miles, ( between X and Y ),
We know that,


Since, from point X to point Y and back, Jack averages 30 miles per hour to point Y and 10 miles per hour back to point X.
So, the total time taken by Jack = 



Also, Sandy averages 20 miles per hour in both directions,
So, the total time taken by Sandy = 




∵ 0.133D > 0.10D
Hence, Sandy will finish the race first.