1. Stating the problem: Solve the equation $$\frac{X}{20} - 5 = -4$$ for $X$. 2. Add 5 to both sides to isolate the fraction term: $$\frac{X}{20} - 5 + 5 = -4 + 5$$ $$\frac{X}{20} = 1$$ 3. Multiply both sides by 20 to solve for $X$: $$20 \times \frac{X}{20} = 20 \times 1$$ $$\cancel{20} \times \frac{X}{\cancel{20}} = 20$$ $$X = 20$$ 4. Final answer: $X = 20$