Below is an context that describes a sql query, paired with an question that provides further information. Write an answer that appropriately completes the request.  # noqa: E501
### Context:
CREATE TABLE table_name_20 (ntfs VARCHAR, fat32 VARCHAR, refs VARCHAR)
### Question:
Which NTFS has a yes for FAT32 and a no for ReFS?
### Answer:
SELECT ntfs FROM table_name_20 WHERE fat32 = "yes" AND refs = "no"