An insurance company found that on average, over a period of 10 years, 23% of the drivers in a particular community who were involved in an accident one year were also involved in an accident the following year. They also found that only 11% of the drivers who were not involved in an accident one year were involved in an accident the following year. Use these percentages as approximate empirical probabilities for the following:

(A) Draw a transition diagram.

(B) Find the transition matrix P.

(C) If 5% of the drivers in the community are involved in an accident this year, what is the probability that a driver chosen at random from the community will be involved in an accident next year? Year after next?