Explanation:
Given that,
Bill is riding his bicycle at 5 m/s eastward: and Carlos is driving his car at 15 m/s westward.
Taking eastward as positive direction, we have:
is the velocity of Bill with respect to Amy (which is stationary)
is the velocity of Carlos with respect to Amy.
Bill is moving 5 m/s eastward compared to Amy at rest, so the velocity of Bill's reference frame is

Therefore, Carlos velocity in Bill's reference frame will be

So, the magnitude is 20 m/s and the direction is westward (negative sign).
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