Assume the returns on an asset are normally distributed. Suppose the historical average annual return for the asset was 7.2 percent and the standard deviation was 12.3 percent. What is the probability that your return on this asset will be less than 2.9 percent in a given year? Use the NORMDIST function in Excel to answer this question. (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) Probability?