The answer is:
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"  ";  or, "5" ;
                                   or, write as:  "5.366" .
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Explanation:
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Given:  " (1 + 0.12 ÷ 12)12 * 1 ÷ 2− 1 ÷ 0.12 ÷ 12 = ? " ;
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First, start with the "parentheses" ;
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  "(1 + 0.12 ÷ 12) = ??

Start with the division:  " 0.12 ÷ 12 = 0.01 " .

  "(1 + 0.01)" = (1.01) .

We have:  "1.01 (12) 
Given:  " (1.01)12 * 1 ÷ 2 − 1 ÷ 0.12 ÷ 12 = ? " ;

So, 1.01 * 12 = 12 .12 .
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    " 12.12 * 1 ÷  2 − 1 ÷ 0.12 ÷ 12 = ? " ;

Note:  Using order of operations, treat this problem as:

     " [ (12.12 * 1) ÷  2 ]  −  [ (1 ÷ 0.12) ÷ 12 ] = ? " ;
 
→    ( 12.12 ÷ 2 )  −  (25/3) ÷ 12 ] = ? " ;

→    ( 6.06)  −  { (25/3) * 1/12) }  = ?

→    ( 6.06)  −  { ( 25* 1) / (3*12)  = ?
 
→    ( 6.06)  −  { ( 25* 1) / (3*12)  = ?  

→    ( 6.06)  −  (25/36) ;

→     6  −    ;

→  6   −    ;

Rewrite " 6 " ; as an improper fraction:  

 →   " 6  "  = "[ (50*6) + 3 ] / 50 =  ;
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→  6    −    ;

  =    −   ; 

  =  ;

  =   ;  
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→ Divide EACH SIDE of the "fraction" by "2" ; to simplify:
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→   ;
=  = 5 ; or, write as:
                                               
                                       (5 + (329 ÷ 900)   =   →  5.3655555555555556 .
                                                                     → round to:  5.366 .
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