for 6,6, (2*0.05 + (1-0.05)*0.1)*(3*0.05 + (1-0.05)*0.1)/(1+0.05)*(1+2*0.05) = 0.0414 (as opposed to 0.01 under HW)
Hence, the joint probablity if 0.1392*0.0414 = 0.00575 or 1/174