Step 1: Understanding the Concept
Water shifts the apparent position of submerged points. Apparent depth \(=\dfrac{\text{real depth}}{\mu}\). We find the apparent object and image positions and then use the mirror formula.
Step 2: Object distance
The object is 24 cm deep, so its apparent depth is \(\dfrac{24}{4/3}=18\ \text{cm}\) below the surface. The mirror is 10 cm above, so \(u=-(18+10)=-28\ \text{cm}\).
Step 3: Image distance
The final image is 20 cm deep, which appears at \(\dfrac{20}{4/3}=15\ \text{cm}\) below the surface. So \(v=-(15+10)=-25\ \text{cm}\).
Step 4: Mirror formula
\(\dfrac{1}{f}=\dfrac{1}{v}+\dfrac{1}{u}=-\dfrac{1}{25}-\dfrac{1}{28}=-\dfrac{53}{700}\), so \(f\approx-13.2\ \text{cm}\). It is negative as expected for a concave mirror.
Final Answer:
The focal length of the mirror is nearly \(-13.2\ \text{cm}\).
\[ \boxed{\text{(A) }-13.2\ \text{cm}} \]