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According to a recent Wall Street Journal article, 9 0 % of retailers in the US take Apple Pay ( Ben Cohen, When Did We

According to a recent Wall Street Journal article, 90% of retailers in the US take Apple Pay (Ben Cohen, "When Did We All Start Using Apple Pay?" August 20,2022).
Suppose a US resident leaves their credit card at home and makes purchases at 4 retailers. What is the expected number of these retailers who will not take Apple Pay?

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