Given is - A study of 860 U.S. ATMs found that the average surcharge for withdrawals from a competing bank was $1.15. The sample is ATMs from a competing bank.
A competing bank cannot be thousands. Rather a competing bank can have hundreds of ATM's throughout US. So, the given number of ATM's is sample here. The statement is true.
If it would have been that the sample ATM's is from all U.S, then the statement would have been false.
Since there are 13 diamonds, there are 39 non diamonds (52-13) To write a probability, you put the part over the whole So you get 39/52 which is simplified to 3/4 so C