There are 39 different subtraction stories with multiples of ten within 120. There are 13 "take from" questions, 13 "take apart" questions, and 13 "comparison" questions. Each story begins with a blank so that as I read the question to my first graders I can substitute in a particular student's name. I printed each subtraction story on a 4X6 index card and laminated them for future use. With second graders (or strong readers), the cards could be used in a math center for independent practice.