The head of the Westlane Cultural Center wants to get a sense of how quickly pledges from donors arrive at the center. It takes an average of 28 days, with a standard deviation of 7 days (normal distribution), from the time pledges are made until donations are actually received. To better manage cash flow, the director wants to know what the status of pledges looks like by about 40 days. What is the probability that pledges are received within 40 days? What is the probability that pledges are received after 40 days? The director hopes that less than 10 percent of pledges come in after 40 days. Is there cause for concern in this case?