Решение:
\[ \frac{\sqrt{20}}{\sqrt{15} \cdot \sqrt{12}} = \sqrt{\frac{20}{15 \cdot 12}} \]
\[ \sqrt{\frac{20}{180}} = \sqrt{\frac{1}{9}} \]
\[ \sqrt{\frac{1}{9}} = \frac{1}{3} \]
Ответ:
\[ \frac{1}{3} \]