The stock returns on ABC Incorporated are normally distributed. The historical average return is $15\%,$ with a standard deviation of $40\%.$ We will assume that future returns will follow this distribution. If we build a $95\%$ confidence interval, what is the lower limit for our confidence interval $($as a return$)?$

$80\%$

$95\%$

$-65\%$

$-80\%$

$40\%$