A surfboard factory just discovered a manufacturing error that causes some of the surfboards to crack easily. As a result, the factory recalled all of the surfboards sold in the last year. Each surfboard has a 21% chance of having the defect. If the factory recalled 90 surfboards, what is the probability that exactly 18 of the boards have the defect? Use a normal distribution to approximate the answer and write it as a decimal rounded to the nearest hundredth.

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