According to the Internal Revenue Service, the average length of time for an individual to complete (record keep, learn, prepare, copy, assemble and send) IRS Form 1040 is 10.53 hours (without any attached schedules). The distribution is unknown. Let us assume that the standard deviation is 2 hours. Suppose we randomly sample 36 taxpayers and compute their average time to completing the forms. Then the probability that the average is more than 11 hours is approximately equal to (The answer may be rounded up to 3 decimal places of the actual value.)