Rebecca W owns a wealth management company. Rebecca's investment portfolio consists of two independent investments: Investment 1 and Investment 2. Rebecca believes that the 1-year return for Investment 1 will be -$4,000 with probability 0.3, $0 with probability 0.4, or $7,000 with probability 0.3. She also believes that the 1-year return for Investment 2 will be uniformly distributed between -$8,000 and $12,000.

What is the probability that Rebecca's Total Return after One Year will be negative? (Enter as a probability with two decimal places between 0.00 and 1.00)