20 - 10 - 5 - 2 - 1 = 38 merits
If you take into account the 0.5 smerits generated for each 1 merit sent then;...5 - 2(+0.5) - 1(+0.5) both half smerits would potentially generate another smerit totalling 39
To compare;
2 - 2 - 2 - 2 - 2 - 2 - 2 - 2 - 2 - 2 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 - 1 = 30 merits 
Each 1 merit sent generates 0.5 smerits = 10 × 0.5 = 5As above ...5 - 2(+0.5) - 1(+0.5)
So, 30 + 5 + 2(+0.5) + 1(+0.5) = 39
Regardless of how you distribute merits it should generate same number of smerits, although splitting it more would mean it would need an extra merit to activate it by making it a whole 1
20 X 1 = 20, 0.5 X 20 = 10. That is 30 merits. And then:
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Each 1 merit sent generates 0.5 smerits = 10 × 0.5 = 5
As above ...5 - 2(+0.5) - 1(+0.5)
Please explain me this calculation, that is, 20 X 0.5 = 10.As above ...5 - 2(+0.5) - 1(+0.5)