You can 
put this solution on YOUR website! which number is a factor of 20? 
A) 1
B) 12
C) 40
D) 60
You must learn that the words
"IS A FACTOR OF"
are exactly equivalent to the words
"WILL DIVIDE EVENLY INTO WITHOUT
LEAVING A REMAINDER (OR A REMAINDER
OF 0)."
So pretend the problem were stated this way:
which number WILL DIVIDE EVENLY INTO 20 WITHOUT 
LEAVING A REMAINDER (OTHER THAN 0)? 
A) 1
B) 12
C) 40
D) 60
Let's see. We'll start with the last one.
Try (D).  WILL 60 DIVIDE EVENLY INTO 20 WITHOUT
LEAVING A REMAINDER OTHER THAN 0? Let's see:
    0
60)20
    0
   20
No that leaves a remaider of 20
Try (C).  WILL 40 DIVIDE EVENLY INTO 20 WITHOUT
LEAVING A REMAINDER? Let's see:
    0
40)20
    0
   20
No that also leaves a remaider of 20
   
Try (B).  WILL 12 DIVIDE EVENLY INTO 20 WITHOUT
LEAVING A REMAINDER? Let's see:
    1
12)20
   12
    8
No that leaves a remaider of 8 
Try (A).  WILL 1 DIVIDE EVENLY INTO 20 WITHOUT
LEAVING A REMAINDER OTHER THAN 0? Let's see:
  20
1)20
  2
   0
   0
   0
YUP, that only leaves a remainder of 0,
so that's the answer.
Edwin
AnlytcPhil@aol.com