Historical data show that customers who download music from a popular Web service spend approximately $22 per month, with a standard deviation of \$4. Assume the spending follows the normal probability distribution. Find the probability that a customer will spend at least \$20 per month. How much (or more) do the top 5% of customers spend? What is the probability that a customer will spend at least $20 per month? (Round to four decimal places as needed.) How much do the top 5% of customers spend? i (Round to the nearest cent as needed.)