A large chain retailer purchases a certain kind of electronic device from a manufacturer. The manufacturer indicates that the defective rate of the device is 3%.

A large chain retailer purchases a certain kind of electronic device from a manufacturer. The manufacturer indicates that the defective rate of the device is 3%. Suppose that the retailer receives 10 shipments in a month and the inspector randomly tests 20 devices per shipment. What is the probability that there will be 3 shipments containing at least one defective device?