Need help with these step by steps would be greatly appreciated for my practice.

Find the stationary matrix S and the limiting matrix P Remember to use

: SP = S [ . 4 . 6

. 2 . 8 ]

[ . 4 . 6 0

. 5 . 3 . 2

0 . 8 . 2 ]

An insurance company classifies drivers as low-risk if they are accident free for one year. Past records indicate that 98% of the drivers in the low risk category, L, one year remain in that category the next year, and 78% of the drivers who are not in the low risk category, L', one year will be in the low risk category the next year. A) Draw the transition diagram B) Find the transition matrix, P C) If 90% of the drivers in the community are in the low risk category this year, what is the probability that a driver chosen at random from the community will be in the low risk category next year? D) If these probabilities remain valid for a long period of time, what percentages of drivers are expected to be in the low-risk category during any given year?