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Let's subtract these mixed fractions

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First, like any time we add or subtract fractions, we need to have a common denominator. The lowest common multiple of 2 and 4 is 4

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One half is equivalent to 2 quarters if we multiply top and bottom by 2

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If we substitute that in, our denominators are the same, but now we can see that we have to borrow to handle our numerator

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However for a fraction, when we borrow, the whole becomes a fraction. 4 quarters is a whole, so when we borrow a whole, we add 4 quarters, so we have 6 quarters.

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Now, subtracting, we have one whole, and 6 minus 3, or 3, quarters.