20. Based on student records, 25% of the students at a large high school have a GPA of 3.5 or better, 16% of the students are currently enrolled in at least one AP class, and 12% of the students have a GPA of 3.5 or better and are enrolled in at least one AP class. If we select one student at random, what is the probability that the student has a GPA lower than 3.5 and is not taking any AP classes?
(A) 0.29
(B) 0.47
(C) 0.53
(D) 0.63
(E) 0.71