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The probability of pulling a red marble out of the bowl can be calculated by dividing the number of red marbles by the total number of marbles in the bowl.
Number of red marbles = Total number of marbles - (Number of black marbles + Number of white marbles)
Number of red marbles = 120 - (80 + 28)
Number of red marbles = 120 - 108
Number of red marbles = 12
So, the probability of pulling a red marble = Number of red marbles / Total number of marbles
Probability of pulling a red marble = 12 / 120
Probability of pulling a red marble = 0.1 or 10%
Therefore, there is a 10% chance that Nicole will pull a red marble out of the bowl.