Caroline is considering an investment in Cate Enterprises (CE) or the one-year Treasury, which has a yield of 3%. CE has an average return of 15% with a standard deviation of 12%. Assuming the returns are normally distributed, what is the probability that CE will have a return greater than the Treasury security? Show work using Excel.

-EXPLAIN STEPS AND MEANING OF FORMULAS, PLEASE - ALSO HOW TO PUT INTO EXCEL.