12. (10 marks) An Internal Revenue Service inspector is to select 3 corporations from a list of 15 for tax audit purposes. Of the 15 corporations, 6 earned profits and 9 incurred losses during the year for which the tax returns are to be audited. If the IRS inspector decides to select 3 corporations randomly, find the probability that the number of corporations in these 3 that incurred losses during the year for which the tax returns are to be audited is at most