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The 4th month or any following month.
We can represent Henrik with the equation:
H = 40m
K = 180 - 20m
Set them equal to each other.
40m = 180 - 20m
Solve for m.
40m + 20m = 180
60m = 180
180/60 = 3
month 3 is when they're equal, so any month after the 3rd month is when Henrik will have more cards than Kharif