A 1-year credit transition matrix shows that a BBB-rated issuer has the following migration probabilities: 0.3% to AAA, 4.5% to AA, 5.2% to A, 83.8% to BBB, 4.1% to BB, 1.2% to B, 0.3% to CCC, and 0.6% to default. What is the probability that a BBB-rated issuer will be downgraded (to any lower rating or default) within one year?