Below is the list of tables from the database along with their columns and datatype. Need to generate an accurate SQL query for the question.
Only use the columns present in the respective table. Only use the columns which are required to generate the SQL query. Only use table joins if required and not otherwise.

### Tables ###
TABLE: CREATE TABLE table_name_20 (ntfs VARCHAR, fat32 VARCHAR, refs VARCHAR)

### Question ###
Which NTFS has a yes for FAT32 and a no for ReFS?

### Accurate SQL ###

SELECT ntfs FROM table_name_20 WHERE fat32 = "yes" AND refs = "no"