What is the index of coincidence (probability that two randomly picked characters are identical, assuming independence) of a language with 5 characters {a,c,i,m,o}, each of the characters having the following frequency:

a: frequency 35%

c: frequency 10%

i: frequency 20%

m: frequency 15%

o: frequency 20%

Five the answer as a fractional number rounded down at two digit after the dot (two decimals), like 0.xy where x and y are the digits you compute.