You are considering investing in a mutual fund. The fund is expected to earn a return of 12.8 percent in the next year. If its annual return is normally distributed with a standard deviation of 12.5 percent, what return can you expect the fund to beat 95 percent of the time? (Note: Round your answer as decimals with three decimal places. For example, if you answer is -2.7%, you should write -0.027 in the answer box. DO NOT write your answer as percentages as you will be marked wrong.)