Insurance.

By examining the past driving records of drivers in a certain city, an insurance company has determined the following (empirical) probabilities:

	Miles Driven per Year
	Less than 10,000, M1	10,000 15,000 inclusive, M2	More than 15,000, M3	Totals
Accident	.05	.15	.20	.40
No Accident	.05	.25	.30	.60
Totals	.10	.40	.50	1.0

If a driver in this city is selected at random, what is the probability that

a. He or she drives less than 10,000 miles per year or has an accident?

(Type a decimal.)

b. He or she drives 10,000 or more miles per year and has no accidents?

(Type a decimal.)