Acme Assurance Conglomerate records indicate that, among its members designated as senior citizens, 32% have submitted a medical claim within the past year. A manager reviewing customer files randomly...

 Acme Assurance Conglomerate records indicate that, among its members designated as senior citizens, 32% have submitted a medical claim within the past year.  A manager reviewing customer files randomly selected 16 senior citizens.  What is the likelihood that
at least 4of these senior citizens submitted a claim last year?