Probability problem the 2nd

[enthumath]

Basheer studies four subjects each semester for six semesters in his university degree. There are five results for each subject and Basheer's chances of earning each result are:

High Distinction- 7%
Distinction- 34%
Credit- 40%
Pass- 16%
Fail-3%

What is the probability (to the nearest 0.1%) of earning no credits in one year?

[Rassis]

Do you mean earning no credits at least once in any one of the 24 subjects (4 subjects/semester x 6 semesters) or no credits, coincidently, in all of the 8 subjects (4 subjects/semester x 2 semesters/year) in any one year? Or is there any other criterion?

[Rassis]

The probability of failing one or more of the 4 subjects/semester in a time span of 1 year is 0,213.
The probability of failing one or more of the 4 subjects/semester in a time span of 3 years is 0,524.