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The city of Calgary is prone to severe hailstorms. Insurance agents claim that a home owner in Calgary can expect to replace their rook, due

The city of Calgary is prone to severe hailstorms. Insurance agents claim that a home owner in Calgary can expect to replace their rook, due to hail damage, once every 10 years. What is the probability that in 12 years a home owner in Calgary will need to replace their roof twice because of hail?

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