A car insurance company has high-risk, medium-risk, and low-risk clients, who have, respectively, probabilities .04, .02, and .01 of filing claims within a given year. The proportions of the numbers of clients in the three categories are .15, .25, and .60, respectively. What is the probability that a random client doesn't file a claim? What proportion of the claims filed each year come from high-risk clients? What is the probability that a random client who didn't file a claim is low- risk?