A company studied the number of lost-time accidents occurring at its Brownsville, Texas, plant. Historical records show that 5% of the employees suffered lost-time accidents last year. Management believes that a special safety program will reduce such accidents to 4% during the current year. In addition, it estimates that 15% of employees who had lost-time accidents last year will experience a lost-time accident during the current year. a. What percentage of the employees will experience lost-time accidents in both years (to 2 decimals)? % b. What percentage of the employees will suffer at least one lost-time accident over the two-year period (to 2 decimals)? %