At a certain university, the joint probability density function of X and Y, the grade point averages of a student in his or her freshman and senior years, respectively, is bivariate normal. From the grades of past years it is known that μX = 3, μY = 2.5, σX = 0.5,

σY = 0.4, and ρ = 0.4. Find the probability that a student with grade point average 3.5 in his or her freshman year will earn a grade point average of at least 3.2 in his or her senior year.