Zs = (Ze+(R1+R2/1000))x L x (9A figure) x (9C figure)
Therefore
Zs = 0.35+((19.51/1000)x 20 x 0.96 x 1.2)
Ze shouldn't be multiplied by the length of cable, only the (R1+R2)/1000 figure. You may know that and it's probably just how you've typed the formula that's the problem.