If events A and B are independent,
For mutually exclusive then p(A or B) = p(A) + p(B).
For not mutually exclusive then p(A or B) = p(A) + p(B) - p(A and B)
And: p(A and B) = p(A) * p(B)
Given: p(A) = 0.22 and p(B) = 0.24.
∴ p(A and B) = p(A) * p(B) = 0.22*0.24 = 0.0528
If A and B are mutually exclusive
∴ p(A or B) = p(A) + p(B) = 0.22 + 0.24 = 0.46
If A and B are not mutually exclusive
∴ p(A or B) = p(A) + p(B) - p(A and B) = 0.22 + 0.24 - 0.0528 = 0.4072
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note: Two events are mutually exclusive if it is not possible for both of them to occur, which mean the occurrence of one event "excludes" the possibility of the other event.