What is the probability that none of the houses have solar panels to generate electricty?

Using a survey conducted in Winter 2009, it was estimated that only 1% of New Zealanders have solar panels on their houses to generate electricity. Consider a random sample of 20 New Zealand households.

a) What is the probability that at least one of them has solar panels to generate electricity?
b) What is the probability that none of them have solar panels to generate electricity?

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