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cropping a 48:32 image for a 48:27 screen, so you're losing 5/32

I believe that means you're losing 5/48, which is 10.42%

I'm pretty sure not. Imagine your screen were actually 48x27 pixels, and you were trying to display a 48x32-pixel image. In each 32-pixel vertical column, 5 pixels would be missed out. So the reduction is 5/32. In those horizontal rows which appear at all, all 48 pixels appear.

Peter