Both 0.023 is incorrect. Please help.

Consider this normal distribution graph and the information below for the next two questions: 34.1% 34.1% Probability .40 .35 .30 .25 .20 .15 .10 .05 .00 13.6% 13.6% 2.15 0.29 2.1% 0.2% -2 -1 0 1 68.2% Units of the x axis measure standard deviations away from the average The %s, for our purposes, represent probabilities 95.4% 99.6% You have analyzed 30 years of historical, annual returns of Vanguard's VIOO ETF. VIOO aims to follow the performance of the S&P 600 Small-Cap stock index. (The S&P 500 is a large-cap index). You found the average return = 10% and the standard deviation of returns = 20%. You plan to model future VIOO returns (for better or worse) as normally distributed, based on your historical analysis. What is the probability that, in any given future year, the VIOO return will be 30% or better? Round your answer to three decimal places. 0.023 What is the probability that, in any given future year, the VIOO return will be -10% or worse? Round your answer to three decimal places. 0.023