Answer:
$24
Step-by-step explanation:
James and Sarah's lunches cost $20 each, so the total price of their meal is 20 * 2 = $40.
They tipped their server 20% of $40, so to find 20% of 40 you would multiply:
40 * 0.20 = 8
Add 8 to 40 = $48.
If they shared this lunch price of $48 equally then they each paid half of this price.
48 / 2 = 24
They each paid $24.
Well, given that a quarter equals 5 nickels, we can reason that, in order to get 12 coins, we would have to get 10 nickels (equals 50 cents) and 2 quarters (the other 50 cents, to make a dollar).
You didn't say whether you needed this expressed in a mathematical formula, but knowing the answer already, it shouldn't be hard to come up with one if necessary.
Hope this helps.