The Capital Asset Pricing Model (CAPM) is a financial model that assumes returns on a portfolio are normally distributed. Suppose a given portfolio has a mean return of 14.7%, with a standard deviation of 33%. For any specific year, a return of 0% means the value of the portfolio didn't change, a negative return means the portfolio lost money, and a positive return means the portfolio gained money. QUESTION: On any given year, what is the probability that the return for that year was less than 0%