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The number of minor surgeries, X, and the number of major surgeries, Y , for a policy- holder, this decade, has joint cumulative distribution function

The number of minor surgeries, X, and the number of major surgeries, Y , for a policy-

holder, this decade, has joint cumulative distribution function

F(x, y) = [1 0.5x+1][1 0.2y+1], x > 0, y > 0.

Calculate the probability that the policyholder experiences exactly three minor surgeries

and at most three major surgeries this decade.

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