To find the time taken by X and Y, calculate the time for each segment of the journey: X takes 0.2 hours for the first 1 km, 0.2 hours for the next 2 km, and 0.75 hours for the last 3 km, totaling 1.15 hours. Y takes 0.25 hours for the first 1 km, 0.2 hours for the next 2 km, and 0.6 hours for the last 3 km, totaling 1.05 hours. The difference in time is 1.15 - 1.05 = 0.1 hours, which is 6 minutes, hence Y finishes 6 minutes earlier.