A study by the ASX reveals that 39% of the Australian adult population are shareholders. In addition, the study determines that 7.1% of all Australian adult shareholders have postgraduate education. Suppose 5% of all Australian adults have postgraduate education. An Australian adult is randomly selected. What is the probability that the adult:

(a) does not own shares

(b) owns shares and has postgraduate education

(c) owns shares or has postgraduate education

(d) neither has postgraduate education nor owns shares

(e) does not own shares or has no postgraduate education

(f) has postgraduate education and owns no shares?