An analysis of personal loans at a local bank revealed the following facts: 10% of all personal loans are in default (D), 90% of all personal loans are not in default (D'), 20% of those in default are homeowners (H | D), and 70% of those not in default are homeowners (H | D'). If a personal loan is selected at random P (H D') = ___________ .

Group of answer choices

0.20

0.63

0.90

0.18

0.78