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Explanation:

Let's say the initial vaue is 100.

Value after 20% discount = 100 - 20 = 80

Value after 10% discount = 80 - 8 = 72

Value after 5% discount = 72 - 3.6 = 68.4

∴ Total discount = 100 - 68.4 = 31.6

∴ Discount % = 31.6%

Hence, option (b).

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