B = \enquote{3 is an element of $ Y $}
First, we assume that 3 is an element of $ Y $.
We choose 6 elements from the remaining 19 elements: $ |B| = \binom{19}{6} $
C = \enquote{13 is an element of $ Y $}
First, we assume that 13 is an element of $ Y $.
We choose 6 elements from the remaining 19 elements: $ |C| = \binom{19}{6} $
$ A = B \cup C $
$ B \cap C = $ \enquote{3 and 13 are elements of $ Y $}
First, we assume that 3 and 13 are elements of $ Y $.
We choose 5 elements from the remaining 18 elements: $ |B \cap C| = \binom{18}{5} $