Every cereal box has a gift inside, but you cannot tell from the outside what the gift is. The store manager assures you that 20 of the 58 boxes on the shelf have the secret decoder ring. The other 38 boxes on the shelf have a different gift inside. If you randomly select two boxes of cereal from the shelf to purchase, what is the probability that BOTH of them have the secret decoder ring? (Give answer as a decimal correct to four decimal places.) An insurance company prices its Tornado insurance using the following assumptions: 0 In any calendar year, there can be at most one tornado. 0 In any calendar year, the probability of a tornado is 0.03. 0 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 are fewer than 4 tornadoes in a 19-year period. Round your answer to four decimal pieces