Researchers carefully surveyed students at a large university to determine how many languages they speak fluently. they constructed the following probability distribution with the results. number of languages 1 2 3 or more probability 0.67 0.24 0.09 suppose we choose a student at random from this university. let a be the event that the student speaks exactly 1 language fluently. let b be the event that the student speaks at least 2 languages fluently. are events a and b disjoint?

all group life insurance is term insurance. actually it is annual renewable term and it is rated on the average age and claims experience of the entire group, which is called "experience rating." remember, this type of insurance has a 31-day grace period and is convertible to whole life upon leaving employment. a contributory group plan requires that both the employer and the employees pay part of the premium. at least 75% of those eligible must participate, so the group is sure to get most of the healthy employees as well as those that are sick.

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