WLD Incorporated, a national data-collection agency, estimates that 45% of all customers at home warehouse stores (in the United States) own their own home. WLD also estimates that 32% of all home warehouse customers have lived at their current address for less than five years, and that 66% of all home warehouse customers own their own home or have lived at their current address for less than five years (or both). Using these estimates, what is the probability that a randomly selected home warehouse customer both owns her own home and has lived at her current address for less than five years? Write your answer as a decimal (not as a percentage). (If necessary, consult a list of formulas.)