15 percent of a certain company's life insurance policy holders are smokers. For each nonsmoker the probability of dying during the year is 0.003. For each smoker the probability of dying during the year is 0.04.

Round your answers to at least 4 decimal places.

[a]Find the probability that a randomly selected policyholder died last year.

[b]Find the probability that a randomly selected policy holder who died last year was a smoker.