An insurance company estimates that 40% of policyholders who have only an auto policy will renew next year, and 60% of policyholders who have only a homeowner policy will renew next year.

The company estimates that 80% of policyholders who have both an auto and a homeowner policy will renew at least one of those policies next year. Company records show that 65% of policyholders have an auto policy, 50% of policyholders have a homeowner policy, and 15% of policyholders have both an auto and a homeowner policy. Using the company's estimates, what is the percentage of policyholders that will renew at least one policy next year?