Blums Inc. expects its operating income over the coming year to equal $$1\mathrm{.}3$ million, with a standard deviation of $$195,000.$ Its coefficient of variation is equal to $0\mathrm{.}15.$ Blums must pay interest charges of $$900,000$ next year and preferred stock dividends of $$190,000.$ Blums$$ marginal tax rate is $40$ percent. What is the probability that Blums will have negative earnings per share next year? $($Assume that operating income is normally distributed.$)$ Use Table V to answer the question. Round your answer to two decimal places.