Rochester, New York averages μ = 21.9 inches of snow for the month of December. The distribution of snowfall amounts is approximately normal with a standard deviation of σ = 6.5 inches. A local jewelry store advertised a refund of 50% off all purchases made in December, if they have more than 3 feet (36 inches) during the month. What is the probability that the jewelry store will have to pay off on its promise?