\[\frac{5}{16} - \frac{7}{12} = \frac{5 \cdot 3}{16 \cdot 3} - \frac{7 \cdot 4}{12 \cdot 4} = \frac{15}{48} - \frac{28}{48} = -\frac{13}{48}\]
\[\frac{65}{96} - \left(-\frac{13}{48}\right) + 10 \frac{3}{20} = \frac{65}{96} + \frac{13}{48} + \frac{203}{20} = \frac{65}{96} + \frac{13 \cdot 2}{48 \cdot 2} + \frac{203}{20} = \frac{65}{96} + \frac{26}{96} + \frac{203}{20}\]
\[\frac{65 \cdot 5}{96 \cdot 5} + \frac{26 \cdot 5}{96 \cdot 5} + \frac{203 \cdot 24}{20 \cdot 24} = \frac{325}{480} + \frac{130}{480} + \frac{4872}{480} = \frac{325 + 130 + 4872}{480} = \frac{5327}{480}\]
\[\frac{5327}{480} = 11 \frac{47}{480}\]
Ответ: 11 47/480