The event "X < 4" describes the scenario in which an individual drinks fewer than 4 cups of coffee on average per day.
To calculate the probability of this event, we sum the probabilities of drinking 1, 2, or 3 cups of coffee per day:
P(X < 4) = P(X = 1) + P(X = 2) + P(X = 3)
= 0.36 + 0.26 + 0.19
= 0.81
So, the probability of an individual drinking fewer than 4 cups of coffee on average per day is 0.81, or 81%, when rounded to two decimal places.