Step 1 :
After factoring out $ 20 $ we have:
$$ 20t^{2}-20 = 20 ( t^{2}-1 ) $$Step 2 :
Rewrite $ t^{2}-1 $ as:
$$ t^{2}-1 = (t)^2 - (1)^2 $$Now we can apply the difference of squares formula.
$$ I^2 - II^2 = (I - II)(I + II) $$After putting $ I = t $ and $ II = 1 $ , we have:
$$ t^{2}-1 = (t)^2 - (1)^2 = ( t-1 ) ( t+1 ) $$