Scenario 1: A study reports that 5% of adults are afraid to be home alone at night. If 20 people are randomly selected, what is the probability at least 3 of them are afraid to be home alone at night? Scenario 2: You draw 5 cards from a standard deck of 52 cards. If X is a random variable that represents the number of hearts you get, what is the probability of 3 or more hearts? Show all work