jmc

Since $E$ and $F$ are midpoints of the legs of the trapezoid, quadrilateral $EFCD$ is a trapezoid with half the altitude of the original trapezoid (the altitude of trapezoid $EFCD$ is $12/2=6$). The length of base $CD$ is still $20$, but now we have to find the length of base $EF$. Since $EF$ connects the midpoints of the legs of the trapezoid, its length is also the average of the lengths of $AB$ and $CD$. Thus, $EF$ has length $\frac{8+20}{2}=14$. Finally, we can find the area of the trapezoid with the formula $\text{Area}=a\left(\frac{b_1+b_2}{2}\right)$ where $a$ is the altitude and $b_1$ and $b_2$ are the lengths of the bases. The area of trapezoid $EFCD$ is $6\left(\frac{14+20}{2}\right)=6\cdot 17=\boxed{102}$ square units.