An insurance company prices itsTornado Insuranceusing the following assumptions:

• In any calendar year, there can be at most one tornado.
• In any calendar year, the probability of a tornado is 0.09.
• The number of tornadoes in any calendar year is independent of the number of tornados in any other calendar year.

Using the insurance company's assumptions, calculate the probability that there arefewerthan 3 tornadoes in a 22-year period.Round your answer to four decimal places.