An auditor for Health Maintenance Services of Georgia reports 40% of policyholders 55 years or older submit a claim during the year. Fifteen policyholders are randomly selected for company records. How many of the policyholders would you expect to have filed a claim within the last year? What is the probability that 10 of the selected policyholders submitted a claim last year? What is the probability that 10 or more of the selected policyholders submitted a claim last year? What is the probability that more than 10 of the selected policyholders submitted a claim last year?