the answer should be 0.027 want to know why

XYZ Construction Company has three loaders operating every day in a construction site. During any day, each loader that is operating at the beginning of the day has a 0.10 chance of breaking down. If a loader breaks down during the day, it is sent to a repair station and will be working (operational) two days after it breaks down. (Thus, if a loader breaks down during day 3 , it will be working at the beginning of day 5 . Let the state of the system be the number of operational loaders at the beginning of the day (States: 0,1,2,3). What is p13 ? Two decimals