Returns are normally distributed. The expected rate of return is 5% and standard deviation is 10%. Choose the answer that is most CORRECT:

		16% of the time the return will be greater than 5%.
		16% of the time the return will be less than 5%.
		16% of the time the return will be less than 15%.
		32% of the time the return will be less than 15%.
		16% of the time the return will be less than -5%.