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This is a problem of using binomial distributoin.
The probability of getting an answer right is 1/4 as there are 4 options of which 1 is correct.
So, P(getting no more than 3 questions correctly) [we have used
binomial distribution here to solve this problem]
= P(X<=3) = P(X=0, 1, 2, 3)
= 12C0*(1/4)^0 *(3/4)^12 + 12C1*(1/4)^1 *(3/4)^11+12C2*(1/4)^2
*(3/4)^10+12C3*(1/4)^3 *(3/4)^9
= 0.6488
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