A number $X$ is increased by $20\%$ to form a new number $Y$. $Y$ is then decreased by $20\%$ to form a third number $Z$. Express $Z$ in terms of $X$?

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A number $X$, is increased by $20\%$ to form a new number $Y$. $Y$ is then decreased by $20\%$ to form a third number $Z$. Express $Z$ in terms of $X$?

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As it stands, it's a bit ambiguous but $Y = 1.2X, Z = 0.8Y = 1.2\cdot0.8X = 0.96X$ is probably the answer on the questioners mind