IN all seriousness, there is a "lot of lesson" in this posting!!!
10.240MHz ÷ 1240 = 10 KHz (channel spacing)
10.240MHz ÷ 2 = 5.15MHz x 3 = 15.360 MHz
Channel 1 = .91(MHz)
Channel 40 = 1.35(MHz)
Transmit oscillator is 10.695MHz
10.695MHz + .91 MHz+ 15.360MHz = 26.965MHz
10.695MHz - 10.240MHz = 455KHz