3. M. Atwood, an analyst, has developed a scoring system for bonds and found that if the score from a bond is less than 20, there is an 85% probability that it will default within five years. If a bond's score is greater than or equal to 20, there is only a 40% chance that it will default within five years. Given that a randomly chosen bond currently has a 25% probability of a score less than 20, what is the probability that a bond that defaults within the next five years had a score of 20 or higher