@TB54321,
What percentage of a normal population has a value greater than two standard deviations above the mean?
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P(A or B) = P(A) + P(B) - P(A and B). You know the first three terms, so you can solve for P(A and B).
A and B are independent iff P(A and B) = P(A) * P(B). Now you can answer the independence question.
A and B are disjoint iff P(A and B) = 0. And you can answer the disjoint question.