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 (HID), and 70% of those not in default are homeowners (H | D"). If a personal loan is selected at random P (HND)= 0.20 B) 0.63 0.90 0.18