Question 1053136
average of 12 years and a standard deviation of 2 years. 
z = invNorm(.03) = -1.88
{{{z =blue (x - mu)/blue(sigma)}}}
 {{{blue(sigma)*z + mu=blue (x)}}}
2(-1.88) + 12 = x = 8.24  
8 year guarantee (After that more than 3% will fail)