Jon P. answered 04/01/15
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There are 4 types of bread, so the probability of choosing a bagel is 1/4.
There are 5 types of filling, so the probability of choosing cream cheese is 1/5.
Since the choices of bread and filling are independent, you multiply the two probabilities together to get the probability of both happening.
1/4 * 1/5 = 1/20, so the probability of getting a bagel and cream cheese is 1/20.