1. Barb, who is self-employed, is the main breadwinner for her family. Barb does not have disability income insurance because she has never stopped to consider the impact of a long-term disability upon her family. Is Barb's treatment of the risk of disability best described as Active Retention or Passive Retention? (3 marks)
2. The amount of time a student taking statistics spends on studying for a test is normally distributed. If the average time spent studying is 12 hours and the standard deviation is 4 hours, what is the probability that a student will spend more than 8 hours studying? (7 marks)

3.In a particular pain clinic, 10% of patients are prescribed narcotic pain killers. Overall, five percent of the clinic's patients are addicted to narcotics (including pain killers and illegal substances). Out of all the people prescribed pain pills, 8% are addicts. If a patient is an addict, what is the probability that they will be prescribed pain pills?