Eugene E. answered 10/01/15
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We have Pr[A U B] = Pr[A] + Pr[B] - Pr[A n B], but since A and B are independent, Pr[A n B] = Pr[A]Pr[B]. Therefore Pr[A U B] = 0.05 + 0.12 - (0.05)(0.12) = 0.164.