Both: .02 x .02= 0.0004
One of them: 0.98* 0.02= 0.196. this is the chance of one but not the other, but there are two cases like this and therefor: 0.196*2= 0.0392
Neither .98+ .98= 0.9604
To check the answer you can add them up and see the probability = 1.
