The probability that house sales will increase in the next 6 months is estimated to be 0.25. The probability that the interest rates on housing loans will go up in the same period is estimated to be 1.74. The probability that house sales or interest rates will go up during the next 6 months is estimated to be 0.89. The event that an increase in house sales and no increase in house sales will occur in the next 6 months are: