is the number of all possible phone numbers consisting of 4 digits from 0 to 9 inclusively. is the number of all possible phone numbers consisting of 4 digits from 1 to 9 inclusively (that do not include 0 (zero) among the 4 digits). The difference - is the number of those 4 digit phone numbers that include at least one 0 (zero). The ratio is the probability you are looking for.