You are considering investing in a mutual fund. The fund is expected to earn a return of 17 percent in the next year. If its annual return is normally distributed with a standard deviation of 19 percent, what return can you expect the fund to beat 95 percent of the time? (Note: Write your answer as decimals with three decimal places. For example if the answer is -8.7 write as -0.087. DO NOT write -8.7 in the box as you will be marked wrong)