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The ACME Insurance Company has two types of customers, careful and reckless. A careful customer has an accident during the year with probability 0.01. A reckless customer has an accident during the year with probability 0.04. 80% of customers are careful and 20% are reckless. Suppose a randomly chosen customer has an accident this year. What is the probability that this customer is one of the careful customers?

Probability =

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