A mutual fund company has six funds that invest in the US market and four that invest in international markets. A customer wants to invest in two US funds and two international funds. (a) How many different sets of funds from this company could the investor choose? (b) Unknown to this investor, one of the US funds and one of the international funds will seriously underperform next year. If the investor selects funds for purchase at random, what is the probability that at least one of the chosen funds will seriously underperform next year