16. An insurance company pays hospital claims. The number of claims that include emergency room or operating room charges is 85% of the total number of claims. The number of claims that do not include emergency room charges is 25% of the total number of claims. The occurrence of emergency room charges is independent of the occurrence of operating room charges on hospital claims.
 Calculate the probability that a claim submitted to the insurance company includes operating room charges.
(A) 0.10
(B) 0.20
(C) 0.25
(D) 0.40
(E) 0.80