Consider newly incorporated small businesses in a certain area. Data indicates that there is a 69% chance that a business fails within the first year, a 21% chance that a business is its owner's first venture, and a 19% chance that a business fails during the first year and is its owner's first venture. Let F be the event that a business fails during the first year and let V be the event that the business is its owner's first venture. P(F)= 0.69, P(V)= 0.21, and P(F ? V)= 0.19. What is the probability that a business is not the owner's first venture AND FAILS during the first year?