Of an insurance company’s policyholders, 80 percent are high risk and 20 percent are low risk. Assume nobody has more than one accident in a year. Also assume 10 percent of highrisk people have an accident during a year and 3 percent of low-risk people have an accident during a year. If you randomly choose a policyholder who had an accident last year, what is the chance he or she is a high-risk policyholder?