A brokerage survey reports that 39% of all individual investors have used a discount broker (one that does not charge the full commission). If a random sample of 115 individual investors is taken, approximate the probability that at most 47 have used a discount broker. Use the normal approximation to the binomial with a correction for continuity. Round your answer to at least three decimal places. Do not round any intermediate steps. (If necessary, consult a list of formulas.) E