In a city, 55% of residents use public transportation. Of those who use public transportation, 70% commute daily. Of those who commute daily using public transportation, 20% also own a car. Which of the following is closest to the percentage of residents in the city who do NOT fall into the category of 'commute daily using public transportation AND own a car'?
7.70%
27.50%
92.30%
95.50%
