A risk manager at a civil service pension scheme is conducting a year-end review on the disbursement preferences of 100 retirement plan beneficiaries and observes the following:

• 57 beneficiaries have opted to receive monthly disbursements.

• 43 beneficiaries have opted to receive a lump-sum payment.

• In addition, 24 of the beneficiaries that have opted to receive monthly disbursements will also receive a lump-sum payment after a period of time.

If a retirement plan beneficiary selected at random from this sample has opted for monthly disbursements, what is the probability that the beneficiary will also receive a lump-sum payment?