Fraud detection has become an indispensable tool for banks and credit card companies to combat fraudulent credit card transactions. A fraud detection firm has detected some form of fraudulent activities in 1.31%, and serious fraudulent activities in 0.87%, of transactions. Assume that fraudulent transactions remain stable. 

a. What is the probability that fewer than 2 out of 100 transactions are fraudulent?

b. What is the probability that fewer than 2 out of 100 transactions are seriously fraudulent?