Lewis Terman (1916) developed the original notion of IQ and proposed that people who scored over 140 on his IQ test could be classified as a genius. If IQ scores in the general population follow a normal distribution with a mean of 100 and a standard deviation of 15, what is the probability of a random individual taking an IQ test being classified as a genius? What would the IQ scores be that cutoff either the top 5% or bottom 5% of individuals in the population?