You can
put this solution on YOUR website!The normal distribution curve has the formula,

The area under the entire curve from

to

equals 1.
Since the curve is symmetric, the area at from

to

would be 1/2.
For the value of Z=-1.03, the area equals 0.1515.
There are tables that have values of area under the curve based on the z value.
Instead of tables, you can also use the EXCEL function NORMSDIST to calculate the value also (NORMSDIST(-1.03)=0.1515).