Which of the following is a cost homeowners insurance does not protect? a. The cost of repair or replacement of a home lost in a natural disaster.
b. Additional living expenses required while your home is repaired after a disaster.
c. Replacement costs for all contents in your home, including high cost electronics.
d. The cost of medical expenses incurred by somebody getting injured on your property.

Assume that there is a 11% rate of disk drive failure in a year. a. if all your computer data is stored on a hard disk drive with a copy stored on a second hard disk drive, what is the probability that during a year, you can avoid catastrophe with at least one working drive? b. if copies of all your computer data are stored on four independent hard disk drives, what is the probability that during a year, you can avoid catastrophe with at least one working drive?