According to the National Health Examination Survey, published by the National Center for Health Statistics, the serum (noncellular portion of blood) total cholesterol level of US females 20 years old or older is normally distributed with a mean of 206 mg/dL and a standard deviation of 44.7 mg/dL. Let x denote serum total cholesterol level for US females 20 years or older.

e. The percentage of US females 20 years or older who have a serum total cholesterol level below 220 mg/dL is equal to the area under the standard normal curve that lies to the _______ of ________.