Your company has two employees, Jane Morton and Oscar Wildman, who are experts at rescuing computers from viruses. One morning, you arrive at work to find that a virus has totally incapacitated the computers on the company network. The probability that Jane Morton will be late for work in the morning is 0.02. The probability that Oscar Wildman will be late for work in the morning is 0.04. If the employees live in different parts of the city, what is the probability that both will be late for work this morning when you really need their help?