Call or raise?

[manupod]

Unknown leads into me here with a player to act- call or raise and why? Prob simple

No-Limit Hold'em, $4 BB (6 handed) Absolute Poker Converter Tool from FlopTurnRiver.com (Format: 2+2 Forums)

BB ($38.50)
UTG ($526.15)
MP ($452.20)
CO ($841)
Hero ($318)
SB ($597.10)

Preflop: Hero is Button with J[img]/images/graemlins/diamond.gif[/img], T[img]/images/graemlins/diamond.gif[/img].
UTG calls $4, <font color="#666666">2 folds</font>, <font color="#CC3333">Hero raises to $20</font>, SB calls $18, <font color="#666666">1 fold</font>, UTG calls $16.

Flop: ($64) 5[img]/images/graemlins/heart.gif[/img], 7[img]/images/graemlins/diamond.gif[/img], K[img]/images/graemlins/diamond.gif[/img] <font color="#0000FF">(3 players)</font>
SB checks, <font color="#CC3333">UTG bets $40</font>

[raze]

Call... his lead is either a semi-bluff or a monster. He's going to 3bet the monster, and sometimes 3bet with a draw, and you're going to get pushed off a lot.

[Jamougha]

He's fos, pump it up.