An insurance company believes that people can be divided into two classes: those who are accident prone and tho who are not. The company's statistics show that an accident-prone person will have an accident at some time withi fixed 1-year period with probability 0.4, whereas this probability decreases to 0.16 for a person who is not accident prone. Assume that 21 percent of the population is accident prone. Some probabilities that can be found from this a included in the accompanying information. What is the probability that someone has an accident in the second year given that they had no accidents in the first year? Click the icon to view the probabilities. The probability is (Type an integer or decimal rounded to four decimal places as needed.)