import numpy as np

probs_for_one_year = np.array([5, 10, 9, 14, 8, 4, 6, 8, 15, 4, 4, 7 ])/100
in_next_two_years = probs_for_one_year+((1-probs_for_one_year)*probs_for_one_year)

res = []
for _ in range(300000):
    sample = (np.random.random(in_next_two_years.shape) < in_next_two_years).sum() >= 3
    res.append(sample)
np.mean(res)