In a doctor's office, an average of 96%
of the clients pay on the day of the appointment. If the office has 650 clients per month, how many are expected not to pay on the day of the appointment? If 32 clients do not pay on the day of their appointment in a month, did more or fewer than the average not pay? Complete the explanation to answer the question.

It is predicted that
of 650 clients are not expected to pay on the day of their appointment in a month. There are
than average who do not pay when 32 clients do not pay.