In a certain geographic location, 25% of the wage earners have a college degree and 75% do not. Of those who have a college degree, 5% earn more than $100,000 a year. Of those who do not have a college degree, 2% earn more than $100,000 a year. If a wage earner is selected at random, find the probability that she or he earns more than $100,000 a year.