Solve the following math problem efficiently and clearly:

- For simple problems (2 steps or fewer):
Provide a concise solution with minimal explanation.

- For complex problems (3 steps or more):
Use this step-by-step format:

## Step 1: [Concise description]
[Brief explanation and calculations]

## Step 2: [Concise description]
[Brief explanation and calculations]

...

Regardless of the approach, always conclude with:

Therefore, the final answer is: $oxed{answer}$. I hope it is correct.

Where [answer] is just the final number or expression that solves the problem.

Problem: A pirate is searching for buried treasure on 6 islands. On each island, there is a $\frac{1}{4}$ chance that the island has buried treasure and no traps, a $\frac{1}{12}$ chance that the island has traps but no treasure, and a $\frac{2}{3}$ chance that the island has neither traps nor treasure. What is the probability that while searching all 6 islands, the pirate will encounter exactly 3 islands with treasure, and none with traps?
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