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Item 13 A student is applying to two different agencies for scholarships. Based on the student’s academic record, the probability that the student will be awarded a scholarship from Agency A is 0.55 and the probability that the student will be awarded a scholarship from Agency B is 0.40. Furthermore, if the student is awarded a scholarship from Agency A, the probability that the student will be awarded a scholarship from Agency B is 0.60. What is the probability that the student will be awarded at least one of the two scholarships?

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