Step 1: Rephrase the rule as a race between two clocks.
Each job has a time left before due date clock, $T = \text{due date} - 20$, and a days of work still needed clock, $W$. The critical ratio is just $T/W$. If $T$ runs out faster than $W$ (that is, $T < W$), the ratio is under 1 and the job is in trouble.
Step 2: List T and W for every job.
Job M: $T = 6$, $W = 5$. Job N: $T = 4$, $W = 10$. Job O: $T = 8$, $W = 10$. Job P: $T = 11$, $W = 5$.
Step 3: Compare T against W directly for each job.
Job M has $T = 6 > W = 5$, so it is ahead, $CR = 1.2$. Job N has $T = 4 < W = 10$, clearly behind, $CR = 0.4$. Job O has $T = 8 < W = 10$, also behind, $CR = 0.8$. Job P has $T = 11 > W = 5$, comfortably ahead, $CR = 2.2$.
Step 4: Collect the jobs where T falls short of W.
Only Jobs N and O have less time remaining than work remaining, so only these two give a critical ratio under 1.
Final Answer:
Job N and Job O are the ones running behind schedule on day 20.
\[ \boxed{\text{Job N and Job O}} \]