$$ \frac{65}{96} + (\frac{5}{16} - \frac{7}{12}) + 10 \frac{3}{20} = \frac{65}{96} + (\frac{5 \cdot 3}{16 \cdot 3} - \frac{7 \cdot 4}{12 \cdot 4}) + \frac{203}{20} = \frac{65}{96} + (\frac{15}{48} - \frac{28}{48}) + \frac{203}{20} = \frac{65}{96} + (\frac{-13}{48}) + \frac{203}{20} = \frac{65}{96} - \frac{13}{48} + \frac{203}{20} = \frac{65}{96} - \frac{13 \cdot 2}{48 \cdot 2} + \frac{203 \cdot 24}{20 \cdot 24} = \frac{65}{96} - \frac{26}{96} + \frac{4872}{480} = \frac{39}{96} + \frac{4872}{480} = \frac{39 \cdot 5}{96 \cdot 5} + \frac{4872}{480} = \frac{195}{480} + \frac{4872}{480} = \frac{5067}{480} = 10 \frac{267}{480} = 10 \frac{89}{160} $$
Ответ: $$10 \frac{89}{160}$$