A year ago, Xenon bank lent money to two customers to start their separate and completely independent businesses. Unfortunately, their businesses did not go as planned and are now in financial difficulties. After assessing the potential risk of default, the bank attaches a 60% and 30% chance of repayment to each of the loans respectively with a 21% chance that the bank will recover the loans from both. Calculate the probability of recovering the money from either of the two.