-22
Black 20 would give your 20 points.
Red 42 would take away that 20, now she has none but there is still 22 left so she is left on the negative side. she has -22 points
A black 20 card would be +20.
A red 42 card would be -42.
Simply put it into an equation and solve:
20 - 42 = -22
Therefore Kyra's score would be -22.
Hope this helps! :)
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