1. Create every possible two-digit combination.
2. Find their sum.
3. Sum the original three digits.
4. Divide your answer from part 2 by your answer to part 3.
you have 3 digits, x, y, and z. You have 6 different combinations of x,y,and z, namely xy xz yz yx zy amd zx. summing all of those combinations, you get 20(x+y+z)+2(x+y+z) or 22(x+y+z)