You are given the following information about N, the annual number of claims for a randomly selected insured:
Pr(N=0)=12
Pr(N=1)=13
Pr(N>1)=16
Let S denote the total annual claim amount for an insured. When N=1, S is exponentially distributed with mean 5. When N>1, S is exponentially distributed with mean 8.
Calculate Pr(4