Given the A.P. is 20, 17, 14, 11, \dots with \(a_1 = 20\) and \(d = -3\). The formula for the \(n\)-th term is:
\[
a_n = a_1 + (n - 1) \cdot d
\]
Substituting \(a_1 = 20\), \(d = -3\), and \(n = 35\):
\[
a_{35} = 20 + 34 \cdot (-3) = 20 - 102 = -82
\]