Step 1: For the mirror image of a clock, subtract the given time from 12:00 (or 11:60). Step 2: Calculate: 11:60 − 3:20 = 8:40. Step 3: Check with the hands: at 3:20 the minute hand is at 4 and the hour hand is just past 3. In the mirror the minute hand appears at 8 (40 minutes) and the hour hand is just before 9, which is 8:40 ✓. Answer: 8:40.