To subtract 2 fractions, they both need to have the same denominator. Since 5 is one of the divisors of 20, we can just multiply the numerator and denominator of 4/5 by 4. 4/5 = (4*4) / (5*4) = 16/20
P.S. when the denominators of both fractions don't have any relation, you multiply the numerator and denominator of the first fraction by the denominator of the second, and the numerator and denominator of the second by the denominator of the first.
3/20 - 4/5 = 3/20 - 16/20
Now you just subtract the numerators: 3/20 - 16/20 = (3-16)/20 = -13/20
12 months in a year. So 18 months= 1 year and 6 months. Izzys dog is 10 1/2= 10 years and six months. Then subtract 1 year and 6 months by 10 year and six months and it would be exactly 9 years older.