Conditional Geometric Probability

A certified public accountant (CPA) has found that nine of ten company audits contain substantial errors. If the CPA audits a series of company accounts, what is the probability that the first account containing substantial errors will occur on or after the third audited account?

The answer key tells me that it should be 0.01. Shouldn't it be 0.991 since $P(Y=3)=0.009$ and $1-0.009=0.991$?

A certified public accountant (CPA) has found that nine of ten company audits contain substantial errors. If the CPA audits a series of company accounts, what is the probability that the first account containing substantial errors will occur on or after the third audited account?

The answer key tells me that it should be 0.01. Shouldn't it be 0.991 since $P(Y=3)=0.009$ and $1-0.009=0.991$?