Please help with the attached question: Please comment if there is any problems with the attachment - Thank you!

The VUW Insurance Company classifies its auto drivers as Preferred (State 1) or Standard (State 2) at time 0, which is the start of the first year the driver is insured. After issue, drivers are continuously reclassified. For a driver, Bill, you are given: (i) [x] denotes Bill's age at time 0. (ii) For k = 0,1, 2..., Pix]+* = 0.6-0.le-*plH = as {1.434 Plat = 0.5 + tit-Ins4t Bill is a preferred driver when the policy is issued Calculate: a) The probability that Bill is a preferred driver at the start of year 4. b) The probability that Bill is a preferred driver at the start of year 4 and has never been a standard driver between time D and time 3. o) The probability the Hill is a preferred driver at the start of year 4 and was a standard driver at the start of ther year 2 or year 3 {or both}