Recall that a sequence $A=(a_n)_{n\ge 1}$ of real numbers is said to be a geometric progression whenever $\dfrac{a_{n+1}}{a_n}$ is constant for each $n\ge 1$. Then, replacing $20$ with $12$, the following question comes from an old Russian competition:
Problem: Can you find $20$ geometric progressions $A_1,A_2,\ldots,A_{20}$ of real numbers such that $$ \{1,2,\ldots,100\} \subseteq A_1 \cup A_2\cup \ldots \cup A_{20}? $$
From this question, it is known that we can cover $\{1,2,\ldots,100\}$ with $36$ geometric progressions. In fact, $36$ is the least possible number.
Let $$\nu_p(n) = \max\{m\in\mathbb{N}: p^m\mid n\}$$ and $$ V(n) = \max_p \nu_p(n).$$ If $n$ belongs to some geometric progression, it may have at most $V(n)$ elements less than $n$. So, if the sequence $A=\{a_1,a_2,\ldots,a_l\}$ is the intersection between a geometric progression and $\{1,\ldots,100\}$, we have: $$\sum_{a\in A}V(a)\geq\binom{l}{2}.$$ Moreover, there is just one number in $\{1,\ldots,100\}$ such that $V(n)=6$, just two numbers such that $V(n)=5$ and just four numbers such that $V(n)=4$. So we may cover at most $7+6+5+5=23$ numbers in $\{1,\ldots,100\}$ with long sequences, and we are left with $77$ numbers that have to be covered by $13$ sequences of length at most five. Since $5\cdot 13<77$, there is no way.