If Hanna is walking there is a 0.4 chance of not being late. 0.75 x 0.4 = 0.3 probability of not being late.
If Hanna cycles there is a chance of 0.8 of not being late. 0.6 x 0.8 = 0.48.
0.48 + 0.3 = 0.78.
In other words, there is a 78% probability of her not being late.