-0,75-12:3,75

To calculate the expression \(-0.75 - 12 : 3.75\), you should follow the order of operations, which stipulates that division should be done before subtraction.

1. Start with the division: \[ 12 \div 3.75 = 3.2 \]

2. Now, substitute that back into the equation: \[ -0.75 - 3.2 \]

3. Finally, perform the subtraction: \[ -0.75 - 3.2 = -3.95 \]

So, \(-0.75 - 12 : 3.75 = -3.95\).