The quarterly returns for a group of 80 mutual funds with a mean of 3.7 % and a standard deviation of 5.1 % can be modeled by a Normal model. Using the model N(3.7, 5.1), find the cut-off values for the following situations.What is the probability that a return will be higher than 5 % (note that 5% is referring to a value in the original units]? (answer as a probability to three decimal places]