An insurance company estimates that $40\%$ of policyholders who have only an auto policy will renew next year and $60\%$ of policyholders who have only a homeowners policy will renew next year. The company estimates that $80\%$ of policyholders who have both an auto and a homcowners policy will renew at least one of those policies next year. Company records show that $65\%$ of policyholders have an auto policy, $50\%$ of policyholders have a