. Businesses that offer credit to their customers are inevitably faced with the task of collecting unpaid bills. A study of collection remedies used by creditors was published in the Journal of Financial Research (Spring 1986).As part of the study,creditors in four states were asked about how they deal with past-due bills. Their responses are tallied in the table on page 146. "Tough actions"

included filing a legal action, turning the debt over to a third party such as an attorney or collection agency, garnishing wages, and repossessing secured property. Suppose one of the creditors questioned is selected at random.

a. What is the probability that the creditor is from Wisconsin or Louisiana?

b. What is the probability that the creditor is not from Wisconsin or Louisiana?
c What is the probability that the creditor never takes tough action?

d. What is the probability that the creditor is from Arkansas and never takes tough action?

e. What is the probability that the creditor never takes tough action, given that the creditor is from Arkansas?

f. If the creditor takes tough action early, what is the probability that the creditor is from Arkansas or Louisiana?
g. What is the probability that a creditor from Arkansas never takes tough action?