The First National Mortgage Company has noted that 4% of its customers pay their mortgage payments after the due date. Use the normal approximation of the binomial distribution to answer this question. (Round your answers to four decimal places.)

(a)What is the probability that in a random sample of 150 customers, four will be late on their payments?

(b)What is the probability that in a random sample of 150 customers, at least seven will be late on their payments?