Jess's portfolio has an expected annual return of 8%, with an annual standard deviation of 12%. If her investment returns are approximately normally distributed, then in any given year Jess has approximately a. about a 68% chance the actual return will fall within -20% and 20% b. about a 68% chance the actual return will fall within 4% and 20% c. a 50% chance the actual return will exceed 8% d. about a 95% chance the actual return will fall within -4% and 28%.