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A broker deals only in stocks, bonds and commodities. He has 35 clients that own stocks, 28 that own bonds, 20 that own commodities; 11 own stocks and bonds; 9 own stocks and commodities; 8 own bonds and commodities; 3 own all three, and 12 have no investments. One of his clients is chosen randomly. What is the probability that this client a) owns only one investment instrument? b) owns at least two investment instruments?

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