You are considering investing in a mutual fund. The fund is expected to earn a return of 12.6 percent in the next year.

[answerhappygod]

You are considering investing in a mutual fund. The fund is
expected to earn a return of 12.6 percent in the next year. If its
annual return is normally distributed with a standard deviation of
13.3 percent, what return can you expect the fund
to beat 95 percent of the
time? (Note: Round your
answer as decimals with three decimal places. For example, if you
answer is -2.7%, you should write -0.027 in the answer box. DO
NOT write your answer as percentages as you will be marked
wrong.)