pls help due in 5 minutes

What is the best reason for jacinta to have a savings account in addition to a checking account

Arestaurant gives out a scratch-off card to every customer. the probability that a customer will win a prize from a scratch-off card is 25%. design and conduct a simulation using random numbers to find the experimental probability that a customer will need more than 3 cards in order to win a prize. justify the model for your simulation, and conduct at least 10 trials.

Sum is 17 and their difference is 3