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(10pts) Suppose that an insurance company classies people into one of three classes: good risks, average risks, and bad risks. The companys records indicate that the probabilities that good-, average-, and bad-risk persons will be involved in an accident over a 1-year Span are, reSpectively, 0.05, 0.15, and 0.3. If 20% of the population is a good risk, 50% an average risk, and 30% a bad risk, What proportion of people have accidents in a xed year? If policyholder A had no accidents in 2018, what is the probability that he or she is a good or average risk