A financial survey was conducted at a company as part of a financial advice program for the employees. It was discovered that 13% of the employees have multiple mortgages on their home and 15% have at least $25,000 in credit card debt. 3% of the employees have multiple mortages on their home and at least $25,000 in credit card debt. What is the probability that an employee selected at random has either multiple mortgages or $25,000 in credit card debt?
A. 20%
B. 25%
C. 28%
D. 31%