CREATE TABLE table_31821 ("Year" FLOAT, "Competition" TEXT, "Date" TEXT, "Location" TEXT, "Score" TEXT, "Result" TEXT)

At what location was there a loss on 20 jan?
SELECT "Location" FROM table_31821 WHERE "Result" = 'loss' AND "Date" = '20 jan'
SELECT "Location" FROM "table_31821" WHERE "Date" = '20 jan' AND "Result" = 'loss'