The following table is the count of observations in each class of the training data set on approvals and declines for a loan at a local bank. Using the nave Bayes method. calculate the conditional probability of both the male and female being approved (declined) for the loan and indicate which one should be categorized with approved classification? Approved (y = 1) Declined (y = 0) Male (x1) 20 15 Female (x = 0) 40 75