Suppose the average return on an asset is $11\mathrm{.}8$ percent and the standard deviation is $20\mathrm{.}3$ percent. Further assume that the returns are normally distributed. Use the NORMDIST function in Excel$$ to determine the probability that in any given year you will lose money by investing in this asset. $($Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$