Suppose you are looking at the Manichean Bar and Grill. Its returns have a mean of 13.6% and a standard deviation of 0.05 . If we wanted to pick a return where Manichean was 16.2% likely to have its actual returns be lower, what return would we use? a) 9.21% b) 16.15% c) 8.67% d) 12.42%