THE NEXT QUESTIONS ARE BASED ON THE FOLLOWING INFORMATION:
A stock analyst has provided estimates of a corporation's expected return over the next year.This return is likely to depend on the interest rate,so the analyst has developed the following two-way table. 
-What is the probability that either the corporation's return is less than 12% or the interest rate is at least 3% or both?
Definitions:
Settlement
The resolution or agreement reached after a dispute or negotiation.
Concession
An act of yielding or compromising in a disagreement, where one party agrees to make a change or give up something in order to reach an agreement.
Successive Concessions
A negotiation strategy where each party makes gradual concessions to reach an agreement.
Resistance Point
The price beyond which a negotiator is unwilling to go during a negotiation.
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