3. The People's Bank of China issued a new version of the Panda Gold and Silver Commemorative Coins on October 30, 2020, with 12 coins in each set. Xiao Ming bought a total of 3 sets of commemorative coins, and after buying them, he gave 1 set to Xiao Pang. So, how many commemorative coins does Xiao Ming have left?
『Answer』24