A recent estimate suggested that, of all individuals and couples reporting income in excess of $$\$ 200,000$$, $6.5 \%$ either paid no federal tax or paid tax at an effective rate of less than $15 \%$. A random sample of 100 of those reporting income in excess of $$\$ 200,000$$ was taken. What is the probability that more than 2 of the sample members either paid no federal tax or paid tax at an effective rate of less than $15 \%$ ?