Explanation:
The closing speed between the two critters is
13 in/hr + 40 inches / hr = 53 inches per hour
at 53 inches per hour, the 20 ft ( which is 240 inches...then less the 13 inches the snail has already crawled ) ) will be travelled in
( 240-13) inches / 53 inches/hr = ~4 hour 17 minutes after the frog starts
which would be 7 AM + 4 :17 = 11:17 AM