Sets $X,Y,Z$ are subsets of a universal set $S$. If $Z \subseteq (X \cap Y^c) \cup (Y \cap X^c)$, then $Z \cap (X \cap Y) = \emptyset$
I started with Allow $k\in Z$ such that $k\in (X\cap Y^c)$ or $k\in (Y\cap X^c)$, therefore $k\notin (X\cap Y)$ but I don't know where to go from here. Thanks