\frac{1}{p}+\frac{1}{q}+\frac{1}{r}-\frac{1}{1-(1-p)(1-q)}-\frac{1}{1-(1-q)(1-r)}-\frac{1}{1-(1-r)(1-p)}+\frac{1}{1-(1-p)(1-q)(1-r)} where p=0.15, q=0.048, r=0.024