The probability it rains is: p(x) = 20/100 = 0.2
The probability the bus is late is = 8/100 = 0.08
The probability that it rains and the bus is late is = 0.03
The probability the train is late is: p(y)= 0.05
The probability that it rains and the train is late is = 0.01
This is an independent probability
And the formula for expressing two independent events is given below.