According to a credit reporting agency, 4.1% of car-loan payments were 90 days past due in a certain region in 2016. Lenders prefer auto loans to home mortgages because when borrowers get into financial trouble they tend to pay the auto loan first because cars are more easily seized by banks. A random sample of 25 car loans was randomly selected. Complete parts a through d. a. Use the binomial distribution to determine the probability that exactly one loan is 90 days past due from this sample. [Round to four decimal places as needed.) b. Use the binomial distribution to determine the probability that exactly four loans are 90 days past due from this sample. (Round to four decimal places as needed.) c. Use the Poisson distribution to determine the probability that exactly one loan is 90 days past due from this sample. (Round to four decimal places as needed.) d. Use the Poisson distribution to determine the probability that exactly four loans are 90 days past due from this sample. (Round to four decimal places as needed.)