Amiyah has two coupons from Macy's Department Store, one for $20 off
 and another for 20% off. She wants to purchase a shirt for $64. Her
 friend Emma told her to use the 20% off coupon because it is the best
 deal and her other friend Jermaine told her to use the $20 off coupon
 because it is the best deal. Which friend is correct and why?