Cheap Charlie likes to smoke cigars.
He cannot afford cigars so he puts five stubs (which he finds) together to make one full cigar.
One day Charlie was lucky to get 25 stubs.
How many cigars could he smoke?
For a bonus point; how many cigars could he have smoked if he had only found 20 stubs?
Instead of looking for stubs on the streets, Charlie should try to find a decent job if he wants to pay for his cigars. After 'assembling' and smoking 5 cigars with his 25 stubs, he would have 5 new stubs he would not have to search on the streets and could produce a 6th cigar. So, he could smoke 6 cigars and would have 1 stub left. But in fact, if the stub represents 20% of the cigar, we could consider that he smokes only 0.8 of the cigar each time, so he would have smoked 4.8 complete cigars and would have 1 stub left...
With 20 stubs he would have smoked 4 cigars and would remain with 4 stubs left, that is not good enough for makind a full cigar.
If he is not willing to wait for the full cigar, we could consider that he would make a 0.8 cigar and would smoke that till he have 1 stub left (so he would have smoked 4.8 cigars, or 3.84 cigars with the 80% consideration)...
Charlie: go work!!!