Problem solved in full
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Is the mediant the simplest fraction between the two? It always lands in the gap. Whether anything with a smaller denominator gets there first is a different question, and the answer is not always.
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Start with the sum, done properly. Twenty is the first denominator both quarters and fifths fit into, so the two fractions become fifteen twentieths and eight twentieths.
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Now the mistake. Five over nine, and the panel agrees: it sits inside the gap, as it must.
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Why it must. Subtract the mediant from each end and the same quantity, bc - ad, appears on top both times. One denominator is b(b+d) and the other d(b+d), both positive, so the two differences carry the same sign and the mediant is squeezed between the two fractions.
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But look for something simpler. A half is in the gap too, and its denominator is 2 against the mediant's 9. So for this pair the mediant is not the simplest fraction between them, and it is not close.
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The quantity that decides it is the one already on the table. For three quarters and two fifths it is seven, not one.
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Try a pair where it is one. A third and a half: the mediant is two fifths, and nothing with a denominator below five lies between them. That is the whole condition.
Answer
The mediant is the simplest fraction between the two exactly when |bc - ad| = 1 β when the pair are neighbours in a Farey sequence. Swept over every pair with denominators up to 25: it holds for all 798 neighbouring pairs, and fails for 111,992 of the 119,636 pairs that are not. The tool never prints bc - ad, and that single number separates the case where the schoolroom mistake is the best possible answer from the case where it is merely a correct one.
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Learning path