According to a study done by Nick Wilson of Otago University Wellington, the probability a randomly selected individual will cover his or her mouth with a tissue, handkerchief, or elbow (the method recommended by public health officials) is 0.047. Suppose you sit on a bench in a mall and observe people's habits as they sneeze. What is the probability among 15 randomly observed individuals fewer than 3 cover their mouth with a tissue, handkerchief, or elbow. Round your answer to four decimal places. (Pay careful attention to the wording of this problem.)