Sandy, this is another (quicker) way to "get" answer:
when Stacy leaves, Andy has travelled 6 miles (1/2 hour @ 12 mph);
so distance left at that point = 20 - 6 = 14 miles;
this 14 miles is covered at combined speed of 12 + 16 = 28 mph;
so time to cover that = 14 / 28 = 1/2 hour;
so time of meeting = 10 + 1/2 = 10:30.