Решение:
\[ \frac{9}{20} \times \frac{3}{12} = \frac{9 \times 3}{20 \times 12} = \frac{27}{240} \]
\[ \frac{27}{240} = \frac{27 \div 3}{240 \div 3} = \frac{9}{80} \]
Ответ: &frac9{80}