An insurance company calculates car insurance premiums based on the age of the policyholder according to three age groups: Group A consists of drivers younger than 22 years old; Group B consists of drivers 22 33 years old; and, Group C consists of drivers older than 33 years. Its portfolio consists of 10% Group A policyholders, 38% Group B policyholders and 52% Group C policyholders. The probability of a claim in any 12-month period for a policyholder belonging to Group A, B or C is 13%, 3% and 2%, respectively. Calculate the probability that a randomly chosen policyholder from this portfolio will make a claim during a 12-month period. One of the company's policyholders has just made a claim. Calculate the probability that the policyholder is younger than 22 years