Part (a)
The term "disjoint" is the same as "mutually exclusive".
If events E and F are disjoint, then we know that P(E and F) = 0. In other words, the two events have nothing in common. Therefore, it's impossible for them both to occur simultaneously.
P(E or F) = P(E) + P(F) - P(E and F)
P(E or F) = 0.4 + 0.5 - 0
P(E or F) = 0.9
Answer: 0.9
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Part (b)
If events E and F are independent, then P(E and F) = P(E)*P(F).
P(E or F) = P(E) + P(F) - P(E and F)
P(E or F) = P(E) + P(F) - P(E)*P(F)
P(E or F) = 0.4 + 0.5 - 0.4*0.5
P(E or F) = 0.4 + 0.5 - 0.2
P(E or F) = 0.9 - 0.2
P(E or F) = 0.7
Answer: 0.7