The recent performance of Prudent Fund, with USD 50 million in assets, has been weak and the institutional sales group is recommending that it be merged with Aggressive Fund, a USD 200 million fund. The returns on Prudent Fund are normally distributed with a mean of 3% and a standard deviation of 7% and the returns on Aggressive Fund are normally distributed with a mean of 7% and a standard deviation of 15%. Senior management has asked you to estimate the likelihood that returns on the combined portfolio will exceed 26%.