Each row in the table below gives the probability that a claim frequency will equal 0, 1, 2 or 3 for any one policy:

0	1	2	3
0.55	0.45	0	0
p	1-p	0	0
0.6	0.3	0.05	0.05

The probability that the sum of the claim frequencies of two different policies is less than or equal to 3 is 0.95. If the claim frequency events of different policies are independent, determine p.

• 0.045
• 0.11
• 0.45
• 0.55
• 1