13. In a study conducted three years ago, 82% of the people in a randomly selected sample were found to have "good" financial credit ratings, while the remaining 18% were found to have "bad" financial credit ratings. Current records of the people from the sample show that 30% of those with bad credit ratings have since improved their ratings to good, while 15% of those with good ratings have since changed to having a bad credit rating. What percentage of people with good credit ratings now, had bad ratings three years ago? [HINT: Use Bayes' Theorem. A tree diagram will be helpful.]

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