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Fred Friendly, CPA, has a stack of 20 tax returns to complete before the April 15th deadline. Of the 20 tax returns, 12 are from

Fred Friendly, CPA, has a stack of 20 tax returns to complete before the April 15th deadline. Of the 20 tax returns, 12 are from individuals, 5 are from businesses, and 3 are from charitable organizations. He randomly selects two returns. What is the possibility that: a. Both are businesses? b. At least one is a business

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