According to a survey by Transamerica Center for Health Studies, 15% of Americans still have no health insurance even after passage of the Affordable Care Act, better known as Obamacare (www.cbsnews.com, September 24, 2014). Suppose five individuals are randomly selected.

a. What is the probability that all five have health insurance?

b. What is the probability that no more than two have health insurance?

c. What is the probability that at least four have health insurance?

d. What is the expected number of individuals who have health insurance?

e. Calculate the variance and the standard deviation for this probability distribution.