$$(\frac{.9}{16}\times\frac{4}{12})+(\frac{9}{16}\times\frac{-3}{9})$$
$-0.16875$
$$\frac{9}{160}\times \frac{4}{12}+\frac{9}{16}\times \frac{-3}{9}$$
$$\frac{9}{160}\times \frac{1}{3}+\frac{9}{16}\times \frac{-3}{9}$$
$$\frac{9\times 1}{160\times 3}+\frac{9}{16}\times \frac{-3}{9}$$
$$\frac{9}{480}+\frac{9}{16}\times \frac{-3}{9}$$
$$\frac{3}{160}+\frac{9}{16}\times \frac{-3}{9}$$
$$\frac{3}{160}+\frac{9}{16}\left(-\frac{1}{3}\right)$$
$$\frac{3}{160}+\frac{9\left(-1\right)}{16\times 3}$$
$$\frac{3}{160}+\frac{-9}{48}$$
$$\frac{3}{160}-\frac{3}{16}$$
$$\frac{3}{160}-\frac{30}{160}$$
$$\frac{3-30}{160}$$
$$-\frac{27}{160}$$
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