The useful life of laptop computers is normally distributed with a mean of 2.80 years and a standard deviation of 10.30 months. Acme, a laptop computer manufacturer wants to establish a warranty program so that only about four percent (4%) of the laptops it manufactures will need to be repaired under the warranty program. Determine the cut-off point (in terms of total number of months in 2 decimal places) between those that will receive repairs under the warranty and those that will not. [Note: 1 year = 12 months] Warranty cut-off point given in total number of months: (Round the final answer to 2 decimal places.)