16. Some parts of California are particularly earthquake-prone.

Suppose that in one metropolitan area, 30% of all homeowners are insured against earthquake damage. Four homeowners?

a. Find the probability distribution of X. [Hint: Let S denote a homeowner who has insurance and F one who does not.
Then one possible outcome is SFSS, with probability (.3)(.7)(.3)(.3) and associated X value 3. There are 15 other outcomes.]