Решение:
\[ \frac{4}{12} = \frac{1}{3} \]
\[ \frac{18}{20} = \frac{9}{10} \]
\[ \frac{1}{3} \times \frac{9}{10} = \frac{1 \times 9}{3 \times 10} = \frac{9}{30} \]
\[ \frac{9}{30} = \frac{9 \div 3}{30 \div 3} = \frac{3}{10} \]
Ответ: $$\frac{3}{10}$$