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 21 39 60 Sophomore 18 22 40 Total 39 61 100 If a student is selected at random, find the probability that he or she is a sophomore given that the student owns a credit card. Round your answers to three decimal places. O A) 0.180 O B) 0.462 O C) 0.538 O D) 0.975