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A study of a car insuring company showed that only 11% of insured drivers who were...

A study of a car insuring company showed that only 11% of insured drivers who were involved in an accident one year were also involved in an accident the following year. The study also showed that 20% of the drivers who were not involved in an accident one year were involved in an accident the following year. Draw the transition diagram corresponding to this study and find the transition matrix.
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