Tom and Jerry play one game per day. It is known that Tom's winning chance is P[W]=0.6 and if he does not win then he loses. Game results are assumed to be independent. AFter 4 days, variable T indicates a total number of games won by Tom. So J=4-T is the number of games he lost (or Jerry won)

Question

1. Find the chance that Tom loses exactly one game P(J-1)