3. A health insurance company divides its clients into low-risk and high-risk categories. Last year's report shows that 10% of low-risk and 2.5% of high-risk clients required one surgery. If 15% of clients are low-risk and 85% are high-risk, find the following probabilities. For simplicity, assume any client's year-to-year surgery is independent. [20] a) What is the probability of surgery for a client? b) What is the probability that a low-risk client requires at least one surgery in 3 years? c) What is the probability of not having surgery for a high-risk client for three years? d) The annual insurance premium is computed according to the requirement of at least one surgery in 3 years. If a high-risk client pays a $1000 premium, how much the premium for low-risk clients should be