Fifteen per cent of a new sports car model have defective brakes and defective steering occurs 5% of the time in this model. Assume these problems occur independently. If one or other (but not both) of these problems are present the car is called a 'lemon'. If both problems are present the car is called a 'hazard'. Draw both a Venn diagram and a joint probability table. What is the probability that the car is:

a)a hazard

b)a lemon