book Maths Puzzle Numerical Ability

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The chorus has six sopranos and eight baritones. In how many ways can the director choose a quartet that contains at least one soprano? he probability that a bank customer will default on a loan is 0.04 if the economy is good and 0.13 if the economy is not good. Suppose the probability that the economy will be good is 0.65. What is the probability that the person will default on the loan?