Finn's Fine Family Fotos is a chain of professional photography studios specializing in family portraits. They offer two kinds of picture packages: regular and deluxe. Market research shows that, if a family in the area around the studio did not have a portrait done last year, then there is an 8% chance they will by a regular package this year, and a 6% chance they will buy a deluxe package. Also, if a family purchased a regular package last year, then there is a 40% chance they will not buy a package this year, but a 10% chance they will purchase a deluxe package. And, if a family purchased a deluxe package last year, there is a 15% chance they will not buy a package this year, but a 20% chance they will buy a regular package. 

(a) Construct a matrix of transition probabilities for this scenario. 

(b) Suppose a studio has a grand opening in a community, i.e. no family used the studio last year. What percentages of families this year will not have a portrait made, will buy a regular package, will buy a deluxe package? Answer the question using full sentence(s).