24. Assume the probability of the stock market falling in any given year can be modelled as a binomial distribution and is 15%. What is the probability that the stock market falls 4 or more times during the next ten years? Round your answer to two decimal places. 25. Assume prices on the S\&P 500 are normally distributed with a mean of 4,100 index points and a standard deviation of 500 index points. What is the probability that the S\&P 500 fall below 3,600 over next year? Round your answer to two decimal places