Suppose the returns on a particular asset are normally distributed. The asset had an average return of $12\mathrm{.}4$ percent and a standard deviation of $28\mathrm{.}6$ percent. Use the NORMDIST function in Excel$$raise to the power of $$ to determine the probability that in any given year you will lose money by investing in this asset.

Note: Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$