I need an explanation as to how to solve the following types of finance questions. As you can see, I have the answers but I need to know the formula for how to solve these. XYZ's returns are normally distributed. XYZ has a mean (expected return) of 14% and a standard deviation of 4%. Answer: 95% What is the probability that XYZ will return less than 10%? Answer 16% What is the probability that XYZ will return more than 22%? Answer 2.5%