3. Homeowners do not make insurance claims very often. In fact, the Oregon Insurance Division says that, on average, a homeowner makes one claim every nine years. Suppose such homeowner claims are Poisson distributed. What is the probability that it would be 15 years or more between claims for a homeowner? What percentage of the time would it be less than 5 years between claims? According to data released by the Insurance Information Institute, the claim frequency for automobile collisions is 5.59 per 100 car years (a car year is equal to 365 days of insured coverage for one vehicle). What is the average \"inter arrival time\" for auto collisions in car years? What do you think this average means? Assume that auto collisions are Poisson distributed