Answer
$-92$
Work Step by Step
We need to use the formula $ a_n =a_1+(n-1) d $
Here, $ a_1=3$ and $ d=-5$
Plug $ n=20$
$ a_{20}=3 +(20-1) \times (-5) $
or, $=3-95$
or, $ a_{20}=-92$
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