A group of students were asked if they carry a credit card. The responses are listed in the table. Credit Card | Not a Credit Card Class Carrier Carrier Total Freshman 40 20 60 Sophomore 25 15 40 Total 65 35 100 If a student is selected at random, find the probability that he or she owns a credit card given that the student is a freshman. Round your answer to three decimal places. 0.615 0.667 0.333 0.400