A mechanical system has 4 redundant engines, each with a 95% probability of functioning properly. When the binomial theorem is used to expand (0.95 + 0.05)⁴ , the resulting terms give the probabilities of exactly 4, 3, 2, 1, and 0 engines functioning properly. Find the probability of exactly 3 engines functioning properly (the term containing 0.95³). Round to the third decimal place.