4.98 A recent estimate suggested that, of all individuals and couples reporting income in excess of $200,000, 6.5% either paid no federal tax or paid tax at an effective rate of less than 15%. A random sample of 100 of those reporting income in excess of $200,000 was taken. What is the probability that more than 2 of the sample members either paid no federal tax or paid tax at an effective rate of less than 15%?