Answer:
The probability that a customer selected at random has an Apple device or own a smartphone or both is 0.94
Step-by-step explanation:
The percentage of costumers that have a device made by Apple = 60%
The percentage of customers that own a smartphone = 85%
The percentage of customers that use Venmo = 80%
The percentage out of the smartphone users that use Venmo = 80%
The probability both independent events A and B occurring = P(A) × P(B)
The exclusive probability of A or B occurring P(A XOR B) = P(A) + P(B) - 2 × P(A ∩ B)
Therefore, the probability of A or B or both occurring is given as follows;
P(A or B or Both) = P(A) + P(B) - 2 × P(A ∩ B) + P(A) × P(B)
Where A represent the percentage of costumers that have a device made by Apple and let B represent the percentage of users that have a smartphone, we have;
P(A or B or Both) = 0.6 + 0.85 - 2×0.6×0.85 + 0.6 × 0.85 = 0.94
Therefore, the probability that a customer selected at random has an Apple device or own a smartphone (or both), P(A or B or Both) = 0.94
means 
.