314. An auto insurance company tracks the experience of its first-year and multi-year policyholders separately. First-year policyholders account for 15% of the company's business while multi-year policyholders account for the rest. The number of claims reported to the company in a year by a first-year policyholder follows a Poisson distribution with mean 0.50, while the number of claims reported to the company in a year by a multi-year policyholder follows a Poisson distribution with mean 0.20. Calculate the probability that a policyholder is a first-year policyholder, given that the policyholder reports at least one claim in a year to the company. (A) 0.246 (B) 0.277 (C) 0.306 (D) 0.476 (E) 0.685