I think it is
To find the probability that a course has a final exam or a research paper, you can use the principle of inclusion-exclusion.
P(Final exam or Research paper) = P(Final exam) + P(Research paper) - P(Final exam and Research paper)
P(Final exam or Research paper) = 0.72 + 0.42 - 0.28
P(Final exam or Research paper) = 0.86
So, the probability that a course has a final exam or a research paper is 0.86 or 86%.
Hope it helped