A telephone survey conducted by the Maritz Marketing Research company found that 43% of those interviewed expect to save more money next year than they saved last year. Forty-five percent of those surveyed plan to reduce debt next year. Of those who expect to save more money next year, 81% plan to reduce debt next year. A respondent is selected randomly.

What is the probability that this person neither expects to save more money next year nor plans to reduce debt next year?