Hi,

Note: The probability of x successes in n trials is: 

P = nCx*  where p and q are the probabilities of success and failure respectively. 

In this case p(phobic) = .16 & q = .84 and  n = 2

nCx = 

 P(both phobic) = (.16)^2 = .0256

 P(at least one phobic) = 1 -P(none) = 1 -(.84)^2 = 1 - .7056 = .2944 

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