When you convert do multiply or divide

The probability that a student graduating from suburban state university has student loans to pay off after graduation is .60. if two students are randomly selected from this university, what is the probability that neither of them has student loans to pay off after graduation?

An investment decreases in value by 30% in the first year and decreases by 40% in the second year. what is the percent decrease in percentage in the investment after two years

Over the course of the school year, you keep track of how much snow falls on a given day and whether it was a snow day. your data indicates that of twenty-one days with less than three inches of snow, five were snow days, while of the eight days with more than three inches of snow, six were snow days. if all you know about a day is that it is snowing, what is the probability that it will be a snow day?