Ten percent of adults say oatmeal raisen is their favorite cookie.  You randomly select 12 adults and ask each to name his or her favorite cookie.  To three significant digits, find the probability that the number who say oatmeal raisen is their favorite cookie is:

1. exactly four.
   {#1}
   
   
2. at least four.
   {#2}
   
   
3. less than four.
   {#3}