Processus législatif britannique et probabilités

Analyze the following scenario regarding the United Kingdom's legislative process: A new bill proposing a change to the education system is drafted. The bill must successfully pass through both houses of Parliament. Let $H_c$ represent the House of Commons and $H_l$ represent the House of Lords. If the probability of a bill passing $H_c$ is $P(H_c) = 0.85$ and the probability of it passing $H_l$ is $P(H_l) = 0.60$, calculate the probability that the bill becomes law, assuming the events are independent. Then, identify the term used for the monarch's final approval of the bill, which is the final step in the process.