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[tex](-2)\cdot\frac{1-4}{4}=(-2)\cdot\frac{-(4-1)}{4}=(-2)\cdot\frac{-3}{4}=\frac{-2\cdot(-3)}{4}=\frac{6}{4}=\boxed{1,5}\\\\\frac{12-20}{2}\cdot3=\frac{-(20-12)}{2}\cdot3=\frac{-8}{2}\cdot3=\frac{-8\cdot3}{2}=\frac{-24}{2}=\boxed{-12}[/tex]
