An insurance company believes that people can be divided into two classes — those that are accident prone and those that are not. Their statistics show that an accident-prone person will have an accident at some time within a fixed 1-year period with probability .4, whereas this probability decreases to .2 for a non-accident-prone person. If we assume that 30 percent of the population is accident prone, what is the probability that a new policy holder will have an accident within a year of purchasing a policy?