Answer: 12.66%
First, we will solve the probability that 3 adults, 2 adults, 1 adult and no adult use their smartphones in meetings or classes,
To solve for this, we will use the following equation

*Probability of adults using their phones for meetings or classes are 0.49.
1 - 0.49 = 0.51
*Probability of adults NOT using their phones are 0.51
Now, with the values of n at:
n = 0
n = 1
n = 2
n = 3




Now, we will add these altogether to get the probability that fewer than 4 of them use their smartphones in meetings or classes.

The answer would be 12.66%.