An analyst does research about probabilities of a fund and an index. The fund underperforms the index, given the index return is positive is 0.45. The fund underperforms the index and the index return is positive is 0.20. If the two events "the fund underperforms the index" and "the index return is positive" are independent, the probability that the fund underperforms the index or the index return is positive is closest to:()
A. 0.44
B. 0.69
C. 0.89