If $a_n$ represents $n^{\text{th}}$ term of the A.P. $-\frac{15}{4}, -\frac{10}{4}, -\frac{5}{4}, \dots$ then value of $a_{16} - a_{12}$ is
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For any A.P., the difference between any two terms $a_p$ and $a_q$ is given by $(p - q)d$.
Here, $a_{16} - a_{12} = (16 - 12)d = 4d$. You do not need to calculate the actual values of $a_{16}$ and $a_{12}$!