Please help me with this question. Thank you.

A mortgage holding company has found that 0.04 of its mortgage holders default on their mortgage and lose the property. Furthermore, 0.94 of those who default are late on at least two monthly payments over the life of their mortgage as compared to 0.31 of those who do not default. What is the joint probability that a mortgagee has two or more late monthly payments and does not default on the mortgage? 0 0.0124 0 0.0376 0 0.2976 Q 0.9024