Conditional probability for the given Bivariate discrete distribution.
A group of students were asked if they carry a credit card. The responses are listed in the table.
Class

Credit Card Carrier

Not a Credit Card Carrier

Total

Freshman

14

46

60

Sophomore

17

23

40

Total

31

69

100

If a student is selected at random, find out the likelihood that he or she is a sophomore and owns a credit card. Round your answer to three decimal places.