313. The probability that a homeowners policyholder reports a property claim in a year increases by 25% per year. Conversely, the probability that a homeowners policyholder reports a liability claim in a year decreases by 25% per year. The probability that a homeowners policyholder reports both a property claim and a liability claim in Year 1 is 0.01. The event that a homeowners policyholder reports a property claim is independent of the event that the policyholder reports a liability claim. Calculate the probability that a homeowners policyholder reports both a property claim and a liability claim in Year 9. (A) 0.005 (B) 0.006 (C) 0.010 (D) 0.014 (E) 0.015