A certain utility firm has noticed that a residential customer's bill for one month is dependent on the previous month's bill. The observations are summarized in the following transition matrix. 
The utility company would like to know the long-run probability that a customer's bill will increase, the probability the bill will stay the same, and the probability the bill will decrease.
Definitions:
Marital Satisfaction
The feeling of fulfillment or happiness experienced within a marriage, reflecting the overall quality of the marital relationship.
Day-to-Day Finances
The management and oversight of personal financial activities on a daily basis, including spending, saving, and budgeting.
Sandwich Generation
A generation of people responsible for bringing up their own children and for the care of their aging parents.
Marital Conflict
Disagreements and disputes between married partners, which can range from mild disagreements to serious, ongoing issues.
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