I have the same problem with my HP20b not getting the correct answers as reported in archive.
Emailed HP and they have told me to press "On" "N" "Amort" to reset calculator. Done this but still does not give the correct answers. I will be sending my reply back tomorrow. They said in there email that there HP20b gives the correct answer.
I must say they have been very friendly and helpful via email an over the telephone.